Stack Funding in Dallas, TX | Swift Deal Funding
Stack (Morby Method) funding in Dallas, TX
Stack funding provides the cash a title company needs in escrow at closing when a seller carry-back note covers the buyer’s down payment but no real money is yet at the table. In Dallas, where the DFW metroplex supports an active creative-finance community, that gap shows up regularly on subject-to and owner-finance deals.
With a median sale price near $400,000 and motivated sellers across submarkets from Oak Cliff and Pleasant Grove to South Dallas and the White Rock corridor, Dallas produces a steady flow of seller-financed structures. Typical Stack amounts here run $40,000 to $150,000, with capacity up to $10 million per transaction. The recorded seller-carry note repays our funds plus a flat 2.5%, often same-day via title. We never pull credit, verify income, or ask for tax returns.
How a Stack deal closes in Dallas
Texas runs closings through title companies and, as a wet-funding state, wants cash in escrow before disbursement — precisely the gap Stack closes:
- The seller structures a carry-back note that covers the down payment and closing costs.
- On closing day we wire the cash that needs to be at the table.
- The title company pays the seller and records the carry-back note in second position.
- That recorded second-position note repays our funds plus the flat 2.5%, usually same-day through title.
Confirm with your Dallas title company that they will record the second lien and handle the disbursement order as agreed before you set the closing date.
Pricing
Flat 2.5% of the funded amount. No upfront fees, collected through the closing statement:
| Funded Amount | Fee | Example |
|---|---|---|
| $50,000 | 2.5% flat | $1,250 |
| $100,000 | 2.5% flat | $2,500 |
| $500,000 | 2.5% flat | $12,500 |
| Up to $10,000,000 | 2.5% flat | $250,000 |
What you’ll need
- Executed purchase contract with seller-financing terms
- Seller carry-back amount large enough to cover the required down payment plus closing costs
- Title company prepared to record the seller-carry second-position note immediately after closing
- Written confirmation from title that the note will be recorded as agreed
A local note: DFW’s deep investor title network makes second-lien recordings routine — confirm your chosen office handles them before closing.
A typical Dallas Stack scenario
An investor buys a Pleasant Grove rental on owner financing, and the seller agrees to carry a $95,000 note covering the down payment and closing costs. Texas wet-funding rules still require that cash in escrow to close. We wire $95,000 on closing day; title disburses, records the carry-back note in second position, and that note repays us $95,000 plus the 2.5% fee ($2,375) — $97,375 — same-day. The investor closes the seller-financed deal without bringing personal cash to the table.
Apply
Submit your purchase contract and seller-financing terms online. We coordinate directly with your title company on the carry-back recording.
Frequently Asked Questions
How does Stack funding work on a Dallas creative-finance deal? +
Stack provides the cash a Dallas title company needs in escrow at closing when a seller carry-back note covers the buyer's down payment but no real money is at the table. We wire that cash on closing day; title disburses to the seller and records the carry-back note in second position. The recorded note then repays our funds plus a flat 2.5%, usually same-day through title. It is the Morby Method structure. Confirm the second-lien recording and disbursement order with your title company before you set the closing date.
Are seller-finance deals common enough in Dallas to use Stack? +
Yes. The DFW metroplex has an active creative-finance community, and motivated sellers with equity in submarkets like Pleasant Grove, South Dallas, and the White Rock corridor will often carry a note rather than take a full cash payout. On those deals the carry-back covers the down payment, but Texas wet-funding rules still require cash in escrow to close — which is the gap Stack fills. We underwrite the contract's seller-financing terms, not the property, and coordinate the second-lien recording with your title company.
Should a Dallas investor use Stack or Echo? +
Use Stack when the seller is carrying financing and a recorded second-position note repays us after closing — common on Dallas subject-to and owner-finance structures. Use Echo when you are assigning a straight contract and your assignment fee repays the funded down payment from seller proceeds the same day, which fits DFW's relocation-driven assignment volume. Both front cash at the closing table; the difference is how repayment is structured. If the seller is carrying paper, Stack is the right tool.
Apply for Stack Funding in Dallas, TX
Submit your application online — same-day decisions for complete files before 2 PM Eastern.