Stack Funding in Kansas City, MO | Swift Deal Funding
Stack Funding in Kansas City, MO
Stack funding — built around the Morby Method — supplies the cash a Kansas City closing needs when a seller carry-back is covering the buyer’s down payment but the title company still requires real funds in escrow to close. We wire that cash to the table, and the recorded second-position note repays our advance plus a flat 2.5%, often the same day through title.
Kansas City’s value market makes this practical. With a metro median near $240,000 and a lot of equity-rich, motivated sellers east of Troost, in Blue Hills, and across Waldo, owner-finance and subject-to deals come up regularly — and those are exactly the structures Stack is designed for. Typical funded amounts run $20,000 to $70,000, with capacity to $10 million per transaction.
How a Stack Deal Closes in Kansas City
Missouri is a title/escrow, wet-funding state, so a single Kansas City title company disburses and records — no closing attorney as in Kentucky or Alabama. The flow: you structure a seller carry-back covering the down payment and costs, we wire the required cash to the closer on closing day, the closer disburses to the seller and records the carry-back as a second-position deed of trust, and that recorded note repays us plus 2.5%, typically same-day. Confirm second-position recording mechanics with your Jackson County title company locally.
Pricing
Flat 2.5% of the funded amount. No upfront fees — collected through the closing statement:
| Funded Amount | Fee |
|---|---|
| $50,000 | $1,250 |
| $100,000 | $2,500 |
| $500,000 | $12,500 |
| Up to $10,000,000 | 2.5% flat |
What You’ll Need
- Executed purchase contract with seller-financing terms
- A seller carry-back large enough to cover the required down payment plus closing costs
- A Kansas City title company prepared to record the second-position deed of trust right after closing
- Written confirmation from the closer that the note will be recorded as agreed
No credit check, no income verification, no tax returns.
A Typical Kansas City Stack Scenario
A retiring landlord in Blue Hills with significant equity agrees to owner-finance a fourplex and carry back a note covering your $40,000 down payment and costs. Title still needs that $40,000 in escrow to close. We wire it; the deal closes; your KC title company records the seller’s carry-back as a second-position deed of trust and repays us $40,000 plus 2.5% ($1,000) — same day. You acquire the asset with little of your own cash at the table.
Apply
Submit your purchase contract and seller-financing terms online. We coordinate directly with your Kansas City title company on the carry-back recording.
Frequently Asked Questions
How does the seller carry-back get recorded on a Kansas City Stack deal? +
Missouri uses deeds of trust rather than mortgages, so the seller's carry-back is recorded as a second-position deed of trust through your Kansas City title company immediately after closing. That recorded note repays our advance plus a flat 2.5%. Because Missouri is a wet-funding, title/escrow state, the closer handles both disbursement and recording — no closing attorney needed as in Kentucky or Alabama. Confirm second-position recording with your KC title company before setting the timeline.
When does Stack make sense over Echo in Kansas City? +
Use Stack when the deal has seller financing — a motivated KC seller with equity who agrees to carry back a note covering the down payment and costs. Use Echo when there is no seller carry and you simply need the end buyer's down payment funded against your assignment fee. In a value market like Kansas City, where many sellers east of Troost or in Waldo hold equity, owner-finance and subject-to structures are common, and Stack fits those naturally.
Do I need special licensing for a seller-finance Stack deal in Kansas City? +
Missouri has no dedicated wholesaler license, and creative-finance purchases do not require one — but seller-financing and any owner-occupant terms can trigger disclosure rules, so confirm your specific structure with a local attorney. Stack itself just supplies the cash the title company needs in escrow at closing, repaid by the recorded second note. We underwrite the purchase contract and carry-back terms, not your credit, income, or tax returns.
Apply for Stack Funding in Kansas City, MO
Submit your application online — same-day decisions for complete files before 2 PM Eastern.