The down payment for your $0-down deal.
Stack Method deals — seller carryback behind a new loan — are $0 down on paper, but escrow still wants a down payment at the closing table. We fund it until the seller’s carryback replaces it.
The Stack Method, explained.
How the stack works, when it’s the right structure, and answers to the questions that come up on almost every client call.
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What is the Stack Method?
In a Stack Method deal — you may know it as seller carryback or the Morby Method — the buyer takes a new loan (often DSCR) for most of the purchase, and the seller agrees to finance the down payment behind that loan after the sale. Layered correctly, the buyer ends up in the property with none of their own money.
The catch: at the closing table, the down payment still has to show up in escrow before the seller carryback exists. That gap is exactly what we fund. Our capital covers the down payment on the first transaction and is replaced by the seller-financed amount as agreed — completing the stack.
If your deal matches this structure, we’ll be the bridge that makes it a true $0-down deal.
When Stack Method funding makes sense.
- You’re buying with a new loan and the seller has agreed to carry the down payment.
- Your DSCR lender requires the down payment to be sitting in escrow.
- The seller will finance — but only after the sale records, not before.
- You’re structuring creative-finance deals and need a reliable bridge at the table.
- You want to keep your cash for reserves and rehab instead of the down payment.
- The whole structure is agreed on paper — you just need the capital sequenced right.
How Stack Method funding works.
Submit the deal
Purchase contract, new-loan details, the seller carryback agreement, and title info — all on our portal.
We verify the stack
The loan and the carryback terms have to line up before we fund — that protects you as much as us.
Docs and fee agreement
A flat 2.5%, agreed before closing. Nothing is due up front.
We fund your down payment
Our capital hits escrow at closing and the purchase goes through.
The carryback replaces us
The seller-financed amount takes out our position as agreed — you’re in the property with $0 of your own money down.
The questions we hear most.
What does Stack Method funding cost?
A flat 2.5% with a $2,500 minimum return. Duration and risk can shift the number on a specific deal — you’ll know the exact cost before we fund.
Are there any up-front fees?
No. Stack Method deals fund at closing — if the deal doesn’t close, there’s no charge.
Is this the same as the Morby Method?
Same family: a new loan for the bulk of the purchase with a seller-financed down payment stacked behind it. Whatever you call it — Stack Method, seller carryback, Morby Method — we fund the down-payment gap that makes it work.
How big a stack will you fund?
Each stack is priced on its structure — the loan, the carryback terms, and the timeline drive it. Submit the deal and we’ll give you a straight answer fast.
How much notice do you need?
Typically 48 hours, and sooner is always better — the carryback verification is the long pole. Submit as soon as your structure is agreed.
Let’s fund the down payment.
Book a free Stack Method call to sanity-check your structure, or submit the deal and we’ll start verifying the stack.
Different exit? See EMD Funding · Double Close