Stack Funding in Cincinnati, OH | Swift Deal Funding
Stack (Morby Method) Funding in Cincinnati, OH
Stack funding supplies the cash you need at the Cincinnati closing table when a seller carry-back note covers the buyer’s down payment — but title still requires real money in escrow to close. Swift Deal Funding is a direct lender: a recorded second-position note repays our funds plus a flat 2.5% fee, often same-day through title. No credit check, no income docs, no tax returns, all 50 states.
It’s the product for creative-finance buyers. Cincinnati’s hillside neighborhoods are full of long-held, low-leverage homes whose owners will carry paper, making seller-finance structures genuinely common here.
How a Stack Deal Closes in Cincinnati
Ohio is a title/escrow, wet-funding state with no attorney mandate, so a Hamilton County title company runs it:
- Seller agrees to a carry-back note covering the down payment and closing costs.
- We wire the cash needed at the table on closing day.
- Title disburses to the seller and records the carry-back note in second position.
- That recorded note repays our funds plus 2.5% — typically same-day through title.
Confirm with your Cincinnati closer that they’ll record the second note immediately after closing.
Pricing
Flat 2.5% of the funded amount, collected on the closing statement — nothing upfront.
| Funded Amount | Fee (2.5%) |
|---|---|
| $50,000 | $1,250 |
| $100,000 | $2,500 |
| $500,000 | $12,500 |
What You’ll Need
- Executed purchase contract with seller-financing terms
- Carry-back amount ≥ required down payment + closing costs
- Cincinnati title company ready to record the second-position note immediately after closing, confirmed in writing
A Typical Cincinnati Stack Scenario
A creative-finance buyer puts a Walnut Hills four-family under contract at $240,000 with the longtime owner agreeing to carry back $48,000 — enough to cover the down payment and costs. But the title company needs that $48,000 as actual funds in escrow to close. Stack wires it in; the deal closes; title records the seller’s carry-back note in second position; and that note repays our $48,000 plus a $1,200 fee, same-day. The buyer closes a subject-to deal with no down-payment cash of their own.
Apply
Submit your purchase contract and seller-financing terms online. We coordinate the carry-back recording directly with your title company.
Frequently Asked Questions
What makes Stack different from Echo on a Cincinnati seller-finance deal? +
Both front cash at the closing table, but repayment differs. Echo is repaid from seller proceeds at closing — your assignment fee. Stack is repaid by a recorded second-position note when the deal includes seller carry-back financing. In Cincinnati's market of motivated, equity-rich sellers in neighborhoods like Walnut Hills, seller carry-backs are common, so Stack fits subject-to and owner-finance structures where there's no big assignment fee to draw from.
Will a Hamilton County title company record the second-position note for a Stack deal? +
Yes — recording a seller-carry second note is routine in Ohio. Stack requires your Cincinnati title company to be prepared to record the carry-back note in second position immediately after closing, with written confirmation it'll be done as agreed. Ohio is a title/escrow, wet-funding state, so the closer disburses and records in the same sequence. Our funds are repaid from that recorded note, typically same-day through title. Confirm recording timing with your closer.
Why would a Cincinnati seller agree to carry back a note? +
Equity and tax timing. Many Cincinnati sellers in older neighborhoods own their property free and clear, and carrying a note spreads their gain over time while still moving the property. For the buyer, the carry-back covers the down payment, and Stack supplies the real cash title needs in escrow to actually close. It's a common creative-finance structure here given the volume of long-held, low-leverage homes in the city's hillside neighborhoods.
Apply for Stack Funding in Cincinnati, OH
Submit your application online — same-day decisions for complete files before 2 PM Eastern.