Apply now for Morby Method lending
Morby Method Program
The Morby Method is an innovative creative-financing strategy that combines seller financing with third-party loans(like DSCR or non‑QM loans). It’s ideal for investors who want to close deals with little to no personal capital or credit requirements. Here’s a quick breakdown:
Structure: You secure a loan (typically a DSCR or non‑QM loan) to cover part of the purchase price, then the seller carries the remaining balance via seller financing—often with zero payments or interest-only terms for several years .
Advantages: The strategy eliminates the need for upfront cash or credit, leans on income-based underwriting rather than borrower credit, and offers flexible seller terms .
Mechanics: Some investors structure it so the seller holds a lien via a parallel entity (e.g. an LLC or UCC filing), avoiding a second lien directly on the property .
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Flyp Capital – Transactional Funding FAQ
What types of funding do you offer for real estate deals?
We specialize in short-term, deal-based capital for investors, including:
EMD Loans – We fund your earnest money deposit so you can lock in deals fast
Double Close Funding – We provide transactional capital for same-day A→B→C closings
Morby Method Support – We partner with you to structure creative finance deals that combine seller carry and private funds
How fast can I get funded?
In most cases, within 24–48 hours.
For EMD and double close deals, we move as fast as your title company and paperwork allow. Morby Method deals can vary slightly depending on structure, but our turnaround is still fast.
What documents do I need to submit?
It depends on the funding type, but here’s what we usually need:
EMD: Purchase agreement, EMD request, title company info
Double Close: A–B and B–C contracts, HUD/CD drafts, title contact
Morby Method: Purchase agreement, seller terms, and proof of exit or long-term strategy
We’ll walk you through it all.
Do you check my credit or require income verification?
No, we don’t do credit checks or require tax returns. We fund based on the deal — not your FICO.
Is this available nationwide?
Yes. We fund deals across the U.S. as long as the title company allows third-party or pass-through funding. If you’re unsure, we’ll verify it for you.
How are funds delivered?
We wire funds directly to the title company. You don’t have to touch the money — we coordinate with escrow to ensure everything lines up for closing.
Do you charge any fees?
Yes, we charge a flat transaction fee or small percentage of the funding amount depending on the type of deal. There are no hidden costs, no junk fees, and no prepayment penalties.
Do you offer proof of funds?
Yes, if you’re an approved client or submitting an active deal. We can provide EMD letters and transactional proof of funds when needed.
What’s the minimum or maximum amount I can request?
EMD: $500 – $10,000
Double Close: $20,000 – $2,000,000+
Morby Method: Deal-dependent (we’ll underwrite creatively with you)
How do I apply?
Click the Apply Now button and fill out your deal info. You’ll get a response within 24 hours. If you have an urgent deal, include the closing date and title contact — we prioritize fast closings.