How much can you fund?

Double Close is well over $100M. EMD up to $500K. Stack and Echo up to $10M each. Hard Money is program-based. Proof of Funds (PoF) letters are free; Verification of Funds (VoF) — actual capital staged in an account — is priced at ~1% and only runs when it's part of a submitted deal.

What is a Double Close?

It's a same-day double close. You buy the property first (A to B), then sell it right after to your end buyer (B to C) on the same day. We step in and fund that first A to B purchase so you don't need to use your own cash. Once your buyer closes right after, our funds get paid back instantly.

What is the Stack Method?

Stack (DSCR + Carry / Morby Method) combines multiple sources of capital — a senior loan, a seller-carry note, and a small short-term bridge from DealCap USA — so the buyer can close with little or no cash out of pocket. Our role is the last piece of the puzzle, funded after all other capital and documents are verified. The key is precise sequencing with title and escrow: funds flow in order, and our principal plus 2.5% fee is repaid immediately at closing.

What is the Echo Method?

An Echo deal is a same-day, single-closing wholesale structure. The wholesaler sets the B→C resale price high enough to create a large assignment fee. The buyer's hard-money lender funds most of the purchase. We wire the down-payment shortfall into escrow on the B→C side. At that same closing, our principal plus 2.5% fee is paid back directly from the wholesaler's assignment proceeds on the same HUD. The wholesaler keeps the remaining assignment fee. No second mortgage. No long-term note. No additional closings. Funds echo in and back out of one transaction.

How fast can you fund?

Same day is possible for some deals. Standard turnaround is approximately 48 hours after documents and title confirmation.

Varies by lane. EMD: 5% up + 20% at close, or 10% up / 0% at close. Double Close: 1.25% up to $1M. Stack and Echo: 2.5% flat.

Do you provide proof of funds?

Yes. PoF (Proof of Funds) is a free letter stating we have the capital to support your deal — up to 5 per day, valid 30 days. VoF (Verification of Funds) is a separate product where we move actual capital into an account or use our own statements to show real funds; it's priced at ~1% due to the use of money and cost of capital, and only runs when it's part of a submitted deal.

How powerful and accurate is Verdict?

Verdict runs the same standardized formulas a professional underwriter uses on the first pass — MAO at the 70% rule, PITIA-based DSCR, Cap Rate, COC ROI, agency 1.25x DSCR floor, LTV / LTC ratios, EMD and double-close math, and stress-test deltas — and recalculates live as inputs change. The math is exact. It's a screening tool, not final approval — your lender still confirms credit, experience, comps, appraisal, title, and program overlays.

What is the engine behind Verdict?

Verdict is a deterministic formula engine built on published industry standards — the same conventions agency lenders, hard-money desks, and institutional buyers run on every deal: 70% Rule / MAO, DSCR / PITIA (Fannie Mae Selling Guide, Freddie Mac, agency DSCR programs), Cap Rate / NOI / COC ROI (CCIM, Appraisal Institute), stress-test methodology adapted from Fed CCAR, and transactional funding conventions for EMD, double-close, seller-carry, and sub-to math. No black-box AI.

Why should I use Verdict?

Three reasons: Speed (60 seconds vs. days waiting on a broker), Honesty (no sales pitch attached; the verdict is the verdict, even if it tells you to walk), and Edge (you see the same numbers your lender will see before you submit, so no surprises after the EMD is signed).

Transactional Funding

We don't fund every deal.
We fund the right ones — fast.

Q: What is EMD funding?

EMD (Earnest Money Deposit) is the good-faith money a buyer puts into escrow to lock up a contract. We wire that deposit into title for you so you can secure the deal without tying up your own cash. We only fund when title confirms in writing that the deposit is refundable during inspection and due diligence. If the deal closes, our capital plus fee is paid back from the closing. If the deal cancels during the refundable window, title returns our capital. Up to $500K per file.

Q: Are there upfront fees?

Only after title confirms the file. Double Close, Stack, and Echo collect everything through the closing statement — zero upfront.

EMD, double closes, seller carrybacks, Echo-style down payments, hard money, DSCR, and proof of funds — wired to title, same day to a few days. Deal-based underwriting. One form, one inbox, one verdict.

Pick a Lane

Double Close

$100M+

1.25% up to $1M

Stack & Echo

$10M

Echo: 2.5% flat · at close

EMD Limit

$500K

Refundable during DD

Verdict SLA

48h

Same day possible

Six Lanes. Choose Yours.

Pick the lane that fits the deal. Submit the brief. We route to underwriting and wire funds direct to the title company.

See a dot? Hover or tap for a plain-English definition.

DC-01 · TRANSACTIONAL

Double Close

Same-day A→B→C funding

Two real closings, same day. We fund A→B so you can buy from the seller. Your end buyer funds B→C. Title pays us back from the B→C HUD. You keep the spread.

Limit: $100M+
Fee: 1.25% up to $1M
Upfront: None — at close
Speed: Same day possible

EMD-02 · CONTRACT CONTROL

EMD

Earnest Money Deposit

We wire your earnest money deposit into escrow so you can lock the contract without tying up your own cash. Only funded when title confirms in writing that the deposit is refundable during due diligence.

Limit: Up to $500K
Fee: 5% up + 20% close
or 10% up / 0% close
Upfront: After title confirms
Speed: 48h standard

SCB-03 · SELLER CARRY

Seller Carry Back

Creative Finance Stack · DSCR + Carry (Morby Method)

Every creative-finance structure top investors run, stress-tested through DSCR. Senior loan + seller carry + a small bridge from us where the stack calls for it. We fund the last piece once all other capital and docs are verified. Title sequences the wire-in and pay-back at closing.

Limit: Up to $10M
Fee: Structure-dependent
Upfront: After stack review
Speed: Custom timeline

ECHO-04 · DOWN PAYMENT

Down Payment

Echo Lane · transactional

Same-day, single-HUD wholesale structure. We fund the end buyer's down payment on the B→C side. Paid back at that same closing out of the wholesaler's assignment fee. No note, no second, no additional closings.

Limit: Up to $10M
Fee: 2.5% flat
Upfront: None — at close
Speed: Same day possible

HM-05 · BRIDGE & RENTAL

Hard Money & DSCR

Purchase · Refi · Bridge · Rental

Program-based pricing across a network of lender partners matched to your deal. Hard money for the rehab, DSCR for the rental.

Limit: Program-based
Fee: Program & lender
Upfront: Depends on product
Speed: Program timeline

POF-06 · LETTERS & VERIFICATION

Proof & Verification of Funds

PoF letter free · VoF priced at ~1%

PoF is a Proof of Funds letter — we state we have the capital to support your deal. Up to 5 per day. Valid 30 days from issuance. VoF is Verification of Funds — we move actual capital into an account or use our own statements to show real funds. Priced at ~1% due to use of money and cost of capital. VoF runs only when it's part of a submitted deal.

PoF letter: Free
VoF pricing: ~1%
Limit: 5 PoF per day
Speed: Same day

// Fees as published. Final pricing confirmed at file review. Double Close, Stack, and Echo collect everything through the closing statement. EMD upfront only after title confirms the file.

// Don't see what you need?

Underwrite your deal first — if it passes, request funding.

Multifamily · Land · Construction · MHP · RV Park

At DealCap USA, we don't fund every deal — we fund the right ones. Funding isn't guaranteed, but being a helping hand in your real estate journey is our duty.

Direct to title · wire, not app

Backed by a real funding partner

48-hour verdict · deal-based underwriting

100% capital on EMD & double closes · wired to title

Underwrite first. It's free.

VERDICT runs the math before we wire — buy-side and lend-side, same engine. Check the deal in 60 seconds. No sign-up, no paywall.

Run a Verdict 60-Second Verdict · No Sign-up

Three Beats. No Maze.

Submit. We underwrite. Funds wire to title.

T + 0 // transmit

Transmit

Pick a lane. Fill the brief — 7 fields, 90 seconds. Goes direct to our desk.
T + 24H // verdict window

Underwrite

We review and route to our funding partner. Verdict and final pricing within 24 hours.
T + CLOSE // wired to title

Fund to Title

Approved files get wired directly to the closing title company. You close. We invoice from proceeds.

// Standard verdict in 24h. Same-day possible on clean files. Wires hit title within the lane's stated window.

Submit the file.
Get a verdict in 24 hours.

Got a question?

Read every answer · FAQ →

We don't fund every deal. We fund the right ones — fast.

Six Lanes. Choose Yours.

Double Close

EMD

Seller Carry Back

Down Payment

Hard Money & DSCR

Proof & Verification of Funds

Underwrite first. It's free.

Three Beats. No Maze.

Submit the file.Get a verdict in 24 hours.

We don't fund every deal.
We fund the right ones — fast.

Submit the file.
Get a verdict in 24 hours.