Creative Finance

Morby Method

Stack seller carry with a primary lender and acquire property with little - sometimes zero - of your own cash. In the right structure, you can even receive cash back at closing.

What the Morby Method is

The Morby Method is a creative-finance acquisition structure that combines a seller-carried note with a primary lender so the total capital stack covers - or exceeds - the purchase price and closing costs. Done right, the buyer closes with minimal cash out of pocket, and in some structures walks away from the closing table with funds in hand.

When to use it

  • The seller is open to carrying part of the purchase price
  • You have a primary lender (DSCR, private, or hard money) covering most of the purchase
  • You want to preserve cash while still closing quickly
  • The numbers work - run them in the Morby Calculator first

How RealQuick Funds funds it

01Submit your structure - purchase price, seller carry, primary lender amount, closing date.
02We verify the stack and issue written terms — same day on most submissions.
03Capital wires to title for closing. Escrow repays us per the structure.

What you'll need

  • Executed purchase contract
  • Seller carry terms (amount and position)
  • Primary lender term sheet or approval
  • Title/escrow contact

Got a deal? Get funded. Real quick.

Two-minute form · same-day decisions on most deals · all 50 states.