The Stack Method (Seller Carry-Back / Morby Method)

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 Unlock 100% of your purchase price on a commercial deal—no outside partners, no cash out of pocket—by layering a DSCR or commercial loan with seller financing and short-term transactional funding.

 Secure a DSCR/Commercial Loan for 70%

• We underwrite your property based on its Net Operating Income (NOI), not your personal income.
• Typical terms: up to 75–80% LTV on purchase; DSCR ≥ 1.25; 3 months P&I reserves.
• At closing, your DSCR lender wires 70% of the purchase price into escrow.

Negotiate Seller Carry-Back on 30%

• You agree with the seller that they’ll finance 30% of the purchase price via a seller note.
• This seller-financed note is structured with your agreed interest rate, amortization, and payment schedule.

Bridge Fund the Seller-Financed Portion

• Title and escrow require the full 100% purchase price at close—even though 30% is seller-financed.
• Low Barrier Lending advances the full 30% into escrow via a one-off, same-day transaction loan.
• You never dip into your bank account; we front the seller’s share.

Close & Repay

• Escrow disburses: 70% to the seller (from your DSCR loan) and 30% back to us.
• Our transaction loan is repaid immediately (principal + a small fee/interest).
• An attorney records the seller-carry note between you and the seller.

Requirements

• BORROWERS MUST HAVE A MINIMUM 680 CREDIT SCORE 

• 100% Leverage, Zero Partners: You own the deal outright—no JV equity splits.
• Minimal Cash at Close: Only pay lender fees; no down payment required.
• Speed & Certainty: DSCR purchase funding plus transactional advance close in days.
• Long-Term Flexibility: After closing, you hold a rent-based DSCR loan for years, plus a low-interest seller note.
• Must of our borrowers get paid at closing