Stack Funding in Knoxville, TN | Swift Deal Funding
Stack Funding in Knoxville, TN
Stack — built around the Morby Method — gives you the cash you need at the closing table when a seller carry-back note covers your down payment but title still requires real funds in escrow to close. We wire that cash; a recorded second-position note then repays our capital plus a flat 2.5%, often the same day through title. In Knoxville, where steady relocation demand sits alongside a deep base of long-tenured owners, seller-finance and subject-to structures come up regularly — sellers in Old North Knoxville or South Knox who’d rather carry a note than cash out fully. Stack lets you close those deals without parking your own capital to satisfy escrow.
How a Stack deal closes in Knoxville
Tennessee is a wet-funding title/escrow state with no attorney-closing mandate, so a licensed Knoxville title company runs the closing and records the carry-back note. We wire the cash to the table on closing day; title disburses to the seller, records the seller-carry note in second position, and our funds plus the 2.5% are repaid from that recorded note — typically same-day. Confirm the recording process, fees, and timing with your title office locally.
Pricing
Flat 2.5% of the funded amount, collected on the closing statement. No upfront fees.
| Funded Amount | Fee |
|---|---|
| $50,000 | $1,250 |
| $100,000 | $2,500 |
| $500,000 | $12,500 |
What you’ll need
- Executed purchase contract with seller-financing terms
- Seller carry-back ≥ down payment + closing costs
- A Knoxville title company ready to record the second-position note
- Written confirmation from title that the note will be recorded as agreed
No credit, income, or tax docs.
A typical Knoxville Stack scenario
A long-time owner in Fountain City sells you a home for $280,000 and agrees to carry a $55,000 second-position note covering your down payment and costs. Title still needs that $55,000 in escrow to close. We wire it at the table; the Knoxville title company disburses, records the carry-back note in second position, and our $55,000 plus the 2.5% fee ($1,375) is repaid from the recorded note — same day. You take the property with little of your own cash in the deal.
Apply
Submit your purchase contract and seller-financing terms online. We coordinate the carry-back recording directly with your title office.
Frequently Asked Questions
When does Stack funding fit a Knoxville deal? +
Stack fits Knoxville seller-finance and subject-to deals where a seller agrees to carry back a note covering your down payment, but title still needs real cash in escrow to close. We provide that cash; the recorded second-position note repays us plus a flat 2.5%. It's common with long-time owners in Fountain City or South Knox who'd rather carry paper than take a full cash-out — and it lets you close while keeping your own capital free for the next relocation-driven deal.
How is Stack different from Echo in Knoxville? +
Both front cash at the closing table, but repayment differs. Echo is repaid immediately from seller proceeds — your assignment fee — so it suits Knoxville assignments. Stack is repaid by a seller carry-back note recorded in second position after closing, so it suits creative-finance and subject-to deals where seller financing is the structure. If a carry-back covers your down payment, use Stack; if there's a solid assignment fee, use Echo. Both close through one Knoxville title company.
Will a Knoxville title company record the second-position note? +
Yes. Tennessee is a title/escrow state, and a licensed Knoxville title company records the seller carry-back note in second position as part of the closing — no attorney required. We need written confirmation from title that they'll record the note as agreed before we fund. Recording a second lien is routine, but timing and recording fees vary by office, so confirm the process and recording schedule with your Knoxville title company before closing day.
Apply for Stack Funding in Knoxville, TN
Submit your application online — same-day decisions for complete files before 2 PM Eastern.