Stack Funding in Boise, ID | Swift Deal Funding
Stack (Morby Method) Funding in Boise, ID
Stack funding provides the cash needed at the closing table when a seller carry-back note covers the buyer’s down payment but escrow still requires real funds to close. The recorded second-position note repays our funds plus a flat 2.5% fee — often the same business day. Boise Stack deals typically run $45,000–$150,000 funded, with capacity to $10,000,000 per transaction.
Stack fits Boise because of how much equity the boom created. Years of California in-migration drove prices up sharply, leaving many longtime owners in the North End, the Bench, and Garden City holding deep equity — sellers who will carry paper to defer a full cash payout. Subject-to and owner-finance structures are common in the Treasure Valley, and Stack covers the working capital escrow needs to record the deal.
How a Stack deal closes in Boise (dry-funding, record-first)
Idaho is a dry-funding escrow state, which shapes the entire Stack timeline. The Boise title and escrow company records before disbursing — funds never release at signing. The sequence:
- The deal is structured with a seller carry-back covering down payment + closing costs.
- We wire the cash needed to close into escrow.
- The deal signs; escrow records the deed, then the carry-back note in second position with Ada County.
- Once recording confirms, escrow disburses and the recorded second note repays our funds plus 2.5%.
The recorded second-position note is the repayment instrument, so recording is non-negotiable — and because Idaho disburses post-recording, your escrow company’s Ada County recording cutoff governs whether it clears same day. On distressed files tied to Idaho’s roughly 120-day trustee process, clear any pending trustee sale before recording the note.
Pricing
Flat 2.5% of the funded amount, collected on the settlement statement. No upfront fees.
| Funded Amount | Fee |
|---|---|
| $50,000 | $1,250 |
| $100,000 | $2,500 |
| $500,000 | $12,500 |
| Up to $10,000,000 | $250,000 |
What you’ll need
- Executed purchase contract with seller-financing terms
- Seller carry-back ≥ required down payment + closing costs
- A Boise title and escrow company prepared to record the second-position note immediately after closing
- Written confirmation from escrow that the note will be recorded as agreed
No credit check, income verification, or tax returns; no Idaho wholesaler license required.
A typical Boise Stack scenario
You structure an owner-finance deal on a North End property where the seller, sitting on years of appreciation, carries a $70,000 note covering the down payment and costs, but escrow still needs $60,000 of real funds to close. We wire the $60,000 into your Boise escrow. The deal signs; escrow records the deed and your second-position carry-back note with Ada County. Once recording clears, escrow disburses and the recorded note repays our $60,000 plus the $1,500 fee — same business day when the file is in early.
Apply
Submit your purchase contract and seller-financing terms online. We coordinate with your Boise title and escrow company on the carry-back recording.
Frequently Asked Questions
How does Stack funding handle Idaho's record-first escrow in Boise? +
Stack supplies the cash needed at closing when a seller carry-back covers the buyer's down payment but escrow still needs real funds to close. Because Idaho is a dry-funding escrow state, the Boise title and escrow company records before disbursing. We wire the cash; escrow records the deed and the second-position carry-back note with Ada County, then disburses. The recorded second note repays our funds plus the flat 2.5% — typically same business day once recording confirms. Confirm the recording sequence with your escrow company.
Does the seller carry-back need to be recorded for Stack to work in Boise? +
Yes. The structure depends on the second-position carry-back note being recorded with the Ada County Recorder. In Idaho's record-first model, escrow records the deed first, then the carry-back note in second position, and only then disburses. That recorded note is our repayment instrument. Your Boise title and escrow company must confirm in writing they'll record the second note as agreed before we fund — that written confirmation is a core requirement.
When is Stack the right call instead of Echo on a Boise deal? +
Use Stack when the deal has seller financing built in — an owner carrying a note rather than taking full cash. Boise's big appreciation left many longtime North End and Bench owners with deep equity, so they can carry paper to defer a payout, which suits subject-to and owner-finance structures. The carry-back must cover the down payment plus closing costs. Use Echo instead when repayment comes from a large assignment fee with no seller note. Both front cash at the Boise close; Stack is repaid by the recorded second note, Echo from seller proceeds.
Apply for Stack Funding in Boise, ID
Submit your application online — same-day decisions for complete files before 2 PM Eastern.