We only fund deals where our funds stay inside escrow. We always get paid back at closing.
Are all of the contracts signed and executed by both parties?
No Deal
EMD requests require fully executed contracts signed by both parties.
Is the EMD refundable?
No Deal
We can only fund refundable EMDs.
Are there at least 7 days before the inspection period ends?
No Deal
Unfortunately, the request is too close to the end of the inspection period. EMD requests must be submitted with at least 7 days remaining for the inspection period.
We only fund deals where our funds stay inside escrow. We always get paid back at closing.
Has the seller agreed in writing to carry a 2nd-position note or have preferred equity in the purchasing LLC?
No Deal
A signed agreement or LOI to carry a 2nd-position note is required before submitting the funding request.
Is the property rent-ready (or will be by closing) and does it generally qualify for DSCR-type investment financing — 1-4 units, residential or commercial, in an area lenders typically fund in?
No Deal
The property needs to be rent-ready and eligible for DSCR-type investment financing before we can fund. Get it lender-ready, then come back through this checklist.
If contracts are already signed, is the seller carryback its own separate agreement — not part of or attached to the PSA?
Heads Up
This deal can still work, but we'll likely need to send out new compliant contracts before funding. That's okay — just be aware.
Good to Know
Not having a PSA signed yet is actually a good thing. We prefer receiving a signed LOI first and then working on the PSA together to make sure it's structured correctly.
Is this a Subto, seller finance, or all-cash purchase?
No Deal
We do not fund Subto, seller finance, or all-cash purchases.
Is the seller currently in foreclosure, going through a divorce, or needing an immediate all-cash sale?
No Deal
These situations typically don't work for the Stack Method since the seller can't afford to wait to get paid. If the seller's situation changes, come back and run it through again.
Does the buyer (or a credit partner going on the loan) have a credit score of at least 620?
Heads Up
Without a 620+ credit score, you'll need a credit partner to qualify for the primary loan. That adds real risk and complexity for whoever signs on — make sure everyone involved understands it before moving forward.
Do you have a lender for the primary loan?
Do you have a signed LOI with the seller?
Next Step
All we need to get started is a signed LOI. Once you have one, then come back to submit the funding request.
Deal (Pending Lender Confirmation)
Submit the request with your signed LOI. Once a lender is identified, we'll still need to confirm the loan type, their sourcing/seasoning requirements, and that they allow subordinate financing before we can fund.
The Stack Method only works with investment-property loans like DSCR, commercial, or hard money.
Are they okay with our team sourcing the funds?
No Deal
We can only proceed if the lender is okay with our team sourcing the funds.
Do they have any seasoning requirements?
Next Step
We do not work with lenders that require seasoning. However, we have many who do not require seasoning and work with us on these deals. Get a signed LOI from the seller, then submit the request for funding and we'll connect you with the right lender.
Does the primary lender allow a 2nd-position lien or subordinate financing on the property post-closing?
Next Step
The lender must allow subordinate financing for the Stack Method to work. If you're not sure, ask them before submitting. We also have preferred brokers who work with lenders that allow this structure. Get a signed LOI, submit your request, and we'll connect you.
After the new primary loan pays off the existing mortgage, will there be enough remaining equity to create a seller carry note that covers the rest of the purchase?
Run the Numbers
Analyze your deal with our new Stack Method calculator to see if the numbers work.