Stack Funding in Little Rock, AR | Swift Deal Funding
Stack Funding in Little Rock, AR
Stack funding — the Morby Method structure — covers the cash a closing table needs when a seller carries back a note for the buyer’s down payment but title still requires real funds to close. Swift Deal Funding wires that cash at closing; a recorded second-position note then repays our funds plus a flat 2.5%, often the same day through the closer.
Little Rock’s creative-finance opportunities tend to come from motivated sellers — landlords ready to exit, owners with long-held equity in Hillcrest or southwest-side homes, and sellers navigating Arkansas’s quick non-judicial foreclosure process. Many of them would rather carry paper than take a full cash-out, and Stack lets a wholesaler structure that without funding the down payment personally.
How a Stack Deal Closes in Little Rock
Arkansas is a wet-funding state. The seller agrees to a carry-back covering the down payment plus costs, we wire cash at the table, the Little Rock title company or closing agent disburses and records the carry-back note in second position, and that recorded note repays us plus 2.5% — typically same-day.
Pricing
Flat 2.5% of the funded amount, collected through the closing statement. Nothing upfront.
| Funded amount | Fee |
|---|---|
| $30,000 | $750 |
| $50,000 | $1,250 |
| $70,000 | $1,750 |
What You’ll Need
- Executed purchase contract with seller-financing terms
- Carry-back amount ≥ required down payment + closing costs
- Little Rock title company or closing agent ready to record the 2nd note immediately after closing
- Written confirmation from the closer that the note will be recorded as agreed
Local note: on distressed or foreclosure-sourced deals, confirm clean title with your closing agent before structuring the carry-back.
A Typical Little Rock Stack Scenario
You acquire a Hillcrest rental at $198,000 on a subject-to with a $34,000 seller carry-back covering the down payment and costs. Title needs that $34,000 in cash at the table. Stack funds it; the fee is $850. The Little Rock closing agent closes, records the 2nd note, and that note repays us $34,850 — the seller carries the balance, and you control a cash-flowing rental with no capital out of pocket at closing.
Apply
Submit your purchase contract and seller-financing terms online. We coordinate the carry-back recording with your closing agent directly.
Frequently Asked Questions
How does the seller-carry note get recorded in Little Rock? +
Arkansas is a wet-funding state, so your Little Rock title company or closing agent records the seller carry-back note in second position immediately after closing funds disburse. We wire the cash the table needs, the deal closes, and that recorded 2nd note repays our funds plus the flat 2.5% — often same-day through the closer. We require written confirmation the note will be recorded as agreed before we fund.
What Little Rock deals fit Stack funding? +
Subject-to and seller-finance deals where a Little Rock seller — often someone with built-up equity in a Hillcrest or older southwest-side home — agrees to carry a note covering the down payment, but title still needs real cash at the table. Stack provides it. With Little Rock's roughly $215,000 median, funded amounts usually run $20,000–$70,000, and the recorded 2nd note repays us plus 2.5% through the closer.
Does Arkansas's foreclosure law matter for a Stack deal? +
It can shape sourcing. The Statutory Foreclosure Act moves distressed property through the market, and motivated sellers facing or emerging from that process are sometimes the ones most open to carrying a note. That helps Stack deals come together. The funding mechanics are the same regardless of source — cash at the table, recorded 2nd note repaying us plus 2.5% — but have your Little Rock closing agent verify title on any recently distressed property.
Apply for Stack Funding in Little Rock, AR
Submit your application online — same-day decisions for complete files before 2 PM Eastern.