If you're an investor or wholesaler running into dead ends due to down payment gaps or tight lending terms, you need to know about the Stack Method—a powerful and creative funding strategy that helps close more deals with less capital.🔑 How it works:The buyer uses a DSCR loan as the primary financing tool (65–75% LTV).The seller carries back the down payment as a 2nd-position lien, preserving their equity and deferring taxes.A transactional lender covers the temporary funding gap to ensure a seamless double close or to facilitate acquisition.✅ Benefits:No need to bring in cash for the down paymentSeller gets long-term returns and capital gains tax advantagesBuyer acquires a cash-flowing asset with minimal out-of-pocket investmentWorks for SFR, multifamily, land, and even self-storageThis method is especially effective when there's strong equity and a motivated seller willing to be flexible.

Others: Quickbooks (Accounting), Simplisafe (Security System), Quo (Business Phone #), Google Workspace As others stated I think your tech stack is good and well researched.I see nothing in your tech stack for obtaining guest contact info.

The second thing would be to further automate this flow by creating an automation stack.

Quote from @Amritpreet Singh: Anybody know a lender who do the Morby method/stacking?

Quote from @D Kimberly: I’m under contract on a value-add commercial property with strong in-place cash flow and a clear refinance path.First-position financing is in process, but I’m evaluating different capital stack structures to optimize speed and flexibility at closing.Specifically, I’m curious how experienced operators here have structured:• Temporary equity partners vs. preferred equity• Short-term bridge capital prior to stabilization• Buy-out provisions post-refinanceFor those who’ve executed similar transactions, what structures have you found most efficient and lender-friendly?

If do ourselves, wondering if a quality handyman, basic management software, and resources for an OH lease and tenant screening framework would be sufficient. 

Eventually Seeing real estate as a resource rather than the finish line is a lesson a lot of people only learn the hard way.

If you know what actually matters vs what just looks bad.Mid-six-figure war chest = flexibilityThat capital stack puts you in a great spot to:Move fast on underwritten value-add dealsAvoid over-leverage earlyTake on projects that need real work without betting the farmYou don’t need to chase sexy appreciation markets.

I’ve successfully built a stack that automates the intake and skip-tracing process for approximately $0.15–$0.30 per lead (API costs only).The Strategic Flow:Data Integrity: Using Google Address Autocomplete to ensure zero-error data entry from the start.Instant Valuation: Pulling real-time market data to provide the seller with a custom offer range immediately.Automated Skip Tracing: The system automatically pulls legal owner names, mobile numbers, and emails the second the form is submitted.Remote Management: I manage the entire logic (margins, repair costs, SMS triggers) through a Slack/Telegram integration so I don't need a heavy CRM.I’m currently running this through a Google Sheets backend to keep the tech stack lightweight.I’m curious to hear from the veterans here—at what volume does it make sense to move away from 'all-in-one' platforms and into custom API-driven automation?

I'll take a look at it and see how it stacks up against my Excel spreadsheet.