Real estate funding resource hub

Real Estate Funding & Resources to Help You Close More Deals

Access transactional funding for EMDs, double closes, and Stack Method transactions—also known as seller carryback or the Morby Method—plus investor loans, PML/GAP funding assistance, business funding, and practical resources for real estate investors.

Submit a Transactional Funding Request Explore Funding Options

For real estate investors, wholesalers, buyers, operators, landlords, and fix-and-flippers. All funding is subject to deal review and approval.

Primary focus Transactional Funding

EMD • Double Close • Stack Method

1 Submit

Send the deal details.

2 Review

Confirm structure and documents.

3 Close

Coordinate approved funding.

Built for active real estate investors

Transactional funding

Transactional Funding Solutions

Fast, flexible capital designed to help qualified real estate investors and wholesalers secure contracts, complete double closes, and structure Stack Method transactions without relying entirely on their own available cash.

Back-to-back closing

Double-Close Funding

Short-term A-to-B funding for eligible back-to-back real estate closings.

Best for wholesalers with an executed resale contract and a properly funded end buyer.

When it may be a good fit

Assignments are restricted or not preferred
You do not want your wholesale spread shown to the end buyer
Your end buyer is ready and properly funded
Both transactions are coordinated for the same day
You need short-term capital for the A-to-B purchase

How the process works

Submit your deal. Provide the A-to-B contract, B-to-C contract, closing date, title-company information, and requested funding amount.
Receive the deal review. The transaction and documents are reviewed. Approved deals receive written funding terms.
Complete the closing. The B-to-C funds must be received and confirmed by title or escrow first. Once confirmed, the A-to-B transactional funds are wired according to the approved closing instructions.

What you will need

Executed A-to-B purchase contract
Executed B-to-C resale contract
End-buyer proof of funds or loan approval
Title or escrow contact information
Scheduled closing date

Start a Double-Close Request

Earnest money

Earnest Money Deposit Funding

Earnest money funding for eligible real estate purchase contracts.

Preserve your available cash while securing qualified real estate opportunities.

When it may be a good fit

You have an executed purchase agreement
Your deposit deadline is approaching
Your available capital is committed to other deals
You want to preserve cash for marketing or operations
The contract clearly explains the deposit and refundability terms

How the process works

Submit your contract. Provide the executed purchase agreement, EMD amount, deposit deadline, and title or escrow instructions.
Receive the deal review. The contract, deposit terms, and transaction details are reviewed. Approved submissions receive written terms.
Fund the deposit. The earnest money is sent to title or escrow and repaid according to the funding agreement.

What you will need

Executed purchase contract
Earnest money amount
Deposit deadline
Title or escrow wiring instructions
Clear EMD refundability terms
Mutual release signed by seller and buyer—we can provide this before you lock a property up

Start an EMD Funding Request

Stack Method

Seller carryback

Stack Method Funding

Also known as seller carryback or the Morby Method

Down-payment capital for eligible seller carryback transactions.

Combine a primary loan, seller financing, and approved temporary funding into one coordinated acquisition structure.

When it may be a good fit

The seller agrees to finance part of the purchase price
A primary lender is financing most of the acquisition
Additional capital is needed for the required down payment
The primary lender permits the seller-financing structure
The transaction supports the approved repayment structure

How the process works

Submit the complete structure. Provide the purchase price, seller carryback amount, primary-loan amount, down payment needed, closing date, and title-company information.
Receive the structure review. The funding stack, primary-lender requirements, seller terms, and repayment structure are reviewed.
Complete the transaction. Approved funds are sent to title or escrow and repaid according to the approved Stack Method funding agreement and seller carryback structure.

What you will need

Executed purchase contract, or an LOI to get the transaction moving
Seller carryback terms
Primary-lender term sheet or approval
Down-payment amount needed
Closing date
Title or escrow contact information

Start a Stack Method Funding Request

Have a complete deal?

Submit Your Funding Request

Use the funding-request form for complete deals. If you reviewed the options and are still unsure which form fits, email Freddy for assistance.

Submit Your Funding Request Email Freddy for Assistance

Stack Method

Acquire More Properties With the Stack Method

The Stack Method—also known as seller carryback or the Morby Method—combines a primary loan, seller financing, and down-payment funding into one coordinated acquisition structure.

Use the free portal to understand the process, review the required deal components, and access practical tools designed for Stack Method transactions.

Secure the primary loan
Obtain approval or terms from a DSCR, hard-money, private, or other qualified primary lender.

Structure the seller carryback
The seller agrees to finance an approved portion of the purchase price behind the primary loan.

Add down-payment funding
Temporary capital may be used for the required down payment and repaid according to the approved structure.

Additional funding resources

Investor Loans and Project Funding Options

Explore additional financing options for investment-property acquisitions, refinances, rentals, renovations, and business needs.

Investor Loan Options

Access financing options for real estate investors purchasing, refinancing, renovating, or holding investment properties.

DSCR loans
Fix-and-flip loans
Hard-money loans
Bridge loans
Rental-property loans
Refinance options
Commercial financing
Multifamily financing

Explore Investor Loan Options

Loan products, rates, leverage, documentation, and approval requirements vary by lender and property type.

PML and GAP Funding Assistance

We’ll typically fund the acquisition and rehab together in one first-position loan.

This may be useful when:

You need one loan covering acquisition and eligible rehab costs
You are acquiring a distressed, outdated, or value-add property
You need short-term private funding for a fix-and-flip or refinance strategy
You are working with a time-sensitive acquisition
You need financing for residential, multifamily, mobile-home park, RV park, self-storage, warehouse, or qualifying retail property

Request PML/GAP Lending Criteria

Business Funding Options

Looking for capital for business expenses, growth, equipment, marketing, inventory, or working capital? Explore available business-funding options through Funding Vault.

Explore Business Funding

Affiliate link. FreddyHasMoney.com may receive compensation if you apply or obtain funding through this resource, at no additional cost to you.

Investor loans and PML/GAP funding are offered through teams Freddy works with directly. Financing is subject to underwriting, property review, program requirements, availability, and approval. Products and terms vary. Referral or affiliate compensation may be received where permitted.

About Freddy

Funding Resources Built for Real Estate Investors

I’m Freddy Rivas, a transactional funder focused on helping real estate investors, wholesalers, and fix-and-flip professionals move qualified deals toward closing.

My primary focus is transactional funding for earnest money deposits, double closes, and Stack Method transactions—also known as seller carryback or the Morby Method. I also work with teams that provide investor loans and PML/GAP funding for qualifying acquisitions and real estate projects.

My goal is to give investors one place to access funding options, understand the next steps, and connect with the appropriate team or resource without wasting time searching across multiple websites.

Whether you need capital for a time-sensitive closing, help identifying the right funding request, or access to additional investor resources, FreddyHasMoney.com is designed to help you find a practical path forward.

Transactional Funding Focus

EMD, double-close, and Stack Method funding.

Multiple Funding Resources

Access investor loans and PML/GAP funding through teams Freddy works with.

Clear Submission Paths

Each funding option directs visitors to the appropriate form, portal, or contact method.

Built for Active Investors

Resources are intended for wholesalers, buyers, investors, operators, landlords, and fix-and-flippers.

Have a funding question?

Review the options first, then contact Freddy if you still need help.

Contact Freddy

Additional resources

Helpful Tools and Resources Beyond Funding

Explore additional resources that may help with property-related opportunities, home maintenance, online privacy, and digital security.

Mortgage & Tax Foreclosure Surplus Recovery

Learn about potential surplus funds that may remain after a mortgage foreclosure or tax foreclosure sale.

Explore Surplus Recovery →

Eligibility, documentation requirements, deadlines, and available funds vary by property, county, and state.

Precision HVAC & Air Filter Finder

Find the correct replacement air filter for your HVAC system by matching filter size, model, or system information.

Find the Right Air Filter →

Always confirm the exact measurements and system requirements before ordering a replacement filter.

Secure Your Digital Life & Personal Data

Explore tools designed to help protect online activity, personal data, business communications, and sensitive real estate documents.

Explore Digital Security →

Affiliate link. Digital-security tools can reduce certain risks but cannot guarantee complete protection.

Free, Secure & Instant Password Generator

Create strong, randomized passwords for email accounts, financial platforms, real estate tools, and document portals.

Generate a Secure Password →

Use a unique password for every account and store passwords in a reputable password manager whenever possible.

Some resources may be provided through third-party websites or affiliate relationships. FreddyHasMoney.com may receive compensation when visitors use certain links, at no additional cost to the visitor.