A promising real estate deal can move quickly, but securing the capital needed to close it can be more complicated. iFundwise provides transactional funding designed around the structure and timing of real estate transactions, including EMD, double-close, and Stack Method funding for investors across all 50 states. Here are three ways iFundwise helps real estate investors fund different types of deals and move them toward closing.
1. Fund Earnest Money Deposits Without Tying Up Cash
Earnest money can become an immediate hurdle when an investor needs to secure a property without putting their own cash into the deposit. iFundwise offers EMD funding that is wired directly to the title company or escrow agent for investors with a deal ready to secure.
The funding is designed around the transaction rather than a traditional long-term credit application. iFundwise reviews the deal structure, documents, and closing path before capital moves. EMD funding can cover deposits of up to $100,000 per transaction, while refundability depends on the terms of the contract.
For real estate investors, this provides an option for preserving available cash while securing a property. Instead of using working capital for the earnest money deposit, investors can explore funding specifically designed for that part of the transaction.
The process also begins with a deal review rather than a traditional credit application. iFundwise does not require a credit check and evaluates the transaction based on its structure, documents, closing process, and the path for the capital to return.
2. Support Same-Day Double Closings With Transactional Funding
Double closings involve two connected transactions that need to move together. The investor purchases the property in the A-B transaction and then sells it to the end buyer through the B-C transaction.
The challenge is having enough capital available for the first transaction while the second transaction is being completed. iFundwise's Double Close Funding is designed for this structure, providing capital for same-day A-B and B-C closings while coordinating with the title company and deal documents.
For investors using transactional funding for a double close, the structure of the deal is important. Both contracts must be executed, the transactions must align for the closing, and the end buyer must be verifiable. End-buyer funds also need to be confirmed before the transaction is funded.
This transaction-focused approach gives investors a clear process for preparing their funding around the actual closing requirements. Instead of treating the deal like a standard long-term loan application, the review focuses on the contracts, title coordination, documents, and closing structure.
Speed is another part of the process. iFundwise states that deal reviews can be completed in under 30 minutes, although investors are generally encouraged to provide 48 hours' notice. The actual funding timeline depends on the deal, documents, and closing coordination.
3. Bridge Seller-Carryback and DSCR Deals With Stack Method Funding
Some real estate transactions involve more complex capital structures. A seller may carry part of the financing while another lender provides the remaining funds. In these situations, the down payment may need to bridge the first transaction before the rest of the financing is in place.
iFundwise offers Stack Method Funding for seller-carryback and DSCR structures where the down payment needs to bridge the first transaction.
The Stack Method looks at how the different parts of the capital structure work together. Seller-carry terms need to be clearly defined, the new lender must approve the structure, and the complete capital stack is reviewed before funding.
This option can be useful for investors whose transactions do not fit a straightforward double-close structure. Instead of relying on one source of capital, the Stack Method accounts for how seller financing, new lending, and the required down payment fit together.
iFundwise also offers its funding solutions across all 50 states. This gives investors a funding option that can support transactions across different markets, whether they are working on a seller-carryback arrangement, DSCR structure, or another eligible transaction.
A Transaction-Focused Funding Process Across All 50 States
The funding option is only one part of moving a real estate deal toward closing. Investors also need to know what happens after submitting a transaction.
iFundwise outlines a four-step process that starts with submitting the deal and moves through review, contracts and fees, and funding the closing. During the review, the team checks the transaction structure, timing, title coordination, and required documents.
Once the structure is approved, iFundwise coordinates the necessary agreements and next steps before funds are sent when the required conditions are met.
The process is designed around the deal rather than a traditional long-term credit application. Investors can submit the funding type, property details, capital needed, and key transaction information, with supporting documents provided when available.
With funding options available across all 50 states, iFundwise gives real estate investors a way to explore transactional capital for different deal structures while keeping the process focused on the closing requirements.
Choose the Funding Structure That Fits the Deal
Transactional funding works best when the financing structure matches the transaction. iFundwise provides several options for different capital needs, from securing an earnest money deposit to funding a same-day double close or bridging a seller-carryback and DSCR structure.
The approach centres on the transaction, its documentation, and the steps required to reach closing. For investors who need short-term capital for a specific real estate deal, these funding options provide a way to structure financing around the transaction instead of relying solely on traditional lending.
Ready to explore your funding options? Submit your deal to iFundwise today and find out what is needed to move it toward closing.
