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.

But this was a good exercise and I ran some rough numbers and it appears to be around 10% So now that you see your paying as much as 10% of your profits to all the 3rd party apps does that make you second guess all these extra fees?

Hidden fees, policy interpretations, and late-stage surprises only surface through jurisdiction conversations and local expertise.

Yesterday I heard a guy mention using a flat-fee broker site as one of his 4 dispo strategies.

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

So I took a step back and got to grinding at my full time job (HVAC construction/install) trying to stack cash the best that I could.

Are there brokerages worth joining that don't come with monthly brokerage fees? 

Lenders see more risk when they cannot easily verify long term residency or credit history, so they protect themselves by asking for bigger down payments, lower leverage, and higher fees.

I have a HOA who is attempting to collect HOA fees for the period when the prior owner owned it.

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