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Close More Deals Without Using Your Own Cash

Use the Stack Method as your zero down acquisition strategy that pays you to buy deals.

You've got the deals. You've got the experience. But you're stuck on the capital raising treadmill.

Whether you're using private money, hard money, JV partners, or syndications, it’s a full time job that:

  • Drains your time away from finding and closing deals

  • Costs you 40–80% of your profits to passive partners

  • Requires endless webinars, calls, and networking

  • Limits how many deals you can actually close

The problem isn’t deal flow. It’s access to scalable funding.

✅ There’s a better way to scale.

Watch the 25 Minute Step by Step Stack Method Training

"How to Get Paid to Buy Real Estate Using the Stack Method"

In this training, Dylan Stewart, founder of Relational Capital, breaks down:

  • The offer sequence that wins more deals

  • Real examples of zero-down structures

  • The 8-step process to fund Stack Method deals

  • Access to our underwriting calculator

  • How Relational Capital funds every one of your deals without raising money

What Is the Stack Method

An acquisition strategy that pays the seller a 50–70% down payment at closing, where your down payment comes from your new loan proceeds, and the seller finances all closing costs back to you.

It's called "stacking" because you're stacking a seller carryback behind your primary loan to achieve 100% (or more) financing.

  • 💡 That means: No outside investors. No partners. No money out of pocket.

How It Works

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Negotiate

"I'll pay you 60% down will you finance 40% back to me?"

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Secure Loan

Get a 70% LTV acquisition loan approved

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Get Funded

Relational Capital funds your down payment + closing costs

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Close Deal

Seller finances the rest behind the primary loan

💰 You close with zero capital and walk away with cash in your pocket.

How It Works

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Negotiate

"I'll pay you 60% down will you finance 40% back to me?"

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Secure Loan

Get a 70% LTV acquisition loan approved

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Get Funded

Relational Capital funds your down payment + closing costs

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Close Deal

Seller finances the rest behind the primary loan

💰 You close with zero capital and walk away with cash in your pocket.

The Result

Buy Without Capital Restrictions

No more waiting to raise funds or find partners

Scale Your Portfolio

Faster

Close multiple deals simultaneously without capital constraints

Compete on More

Deals

Win against cash buyers with creative financing

Keep 100% Ownership

No profit sharing with passive investors or partners

Get Paid to Purchase

Walk away from closing with money in your pocket

Get the Stack Method Calculator

Run the Numbers on Your Next Deal

Use our internal calculator to see instantly how much you can offer, how much you'll make, and how to structure the carryback.

This is the same tool our team uses to underwrite every Stack Method transaction. Get instant access and start analyzing your deals today.

NEXT

Submit Your Deal for Funding

Ready to see if your deal qualifies for the Stack Method? Get a free structure review & gameplan!

Meet Your Capital Partner

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Dylan Stewart

Founder of Relational Capital

Since 2017, I've been a full time real estate investor, wholesaling, flipping, creative finance and buying nearly 700 mobile home and RV sites across the U.S.

My amazing wife and I live North of Dallas Texas with our energetic golden retriever, honey! We love the outdoors, traveling, spending time with friends, and growing in our faith in Jesus!

Today, my team provides short term, escrow protected transactional funding that help investors close more deals faster, safer, and without raising investor capital.

The 8-Step Stack Method

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Find Property

Identify a property with 40%+ seller equity

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Negotiate Split

Propose a 60/40 split with the seller

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Go Under Contract

Execute a standard purchase and sale agreement

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Create Carryback

Draft a separate seller carryback agreement

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Secure Loan

Get approved for the 70% acquisition loan (we'll connect you)

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Get Funded

Relational Capital funds your down payment + costs

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Seller Paid

Seller receives their payment; we're repaid at second closing

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Own Asset

You own the asset often with cash in your pocket

The 8-Step Stack Method

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Find Property

Identify a property with 40%+ seller equity

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Negotiate Split

Propose a 60/40 split with the seller

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Go Under Contract

Execute a standard purchase and sale agreement

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Create Carryback

Draft a separate seller carryback agreement

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Secure Loan

Get approved for the 70% acquisition loan (we'll connect you)

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Get Funded

Relational Capital funds your down payment + costs

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Seller Paid

Seller receives their payment; we're repaid at second closing

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Own Asset

You own the asset often with cash in your pocket

Stack Method Success Requirements

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Seller Equity

40%+ equity required; more is better. This ensures sufficient cushion for the seller carryback structure.

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Seller Carryback Amount

Must cover all down payment + closing costs. Start by asking for 120% of cash to close to ensure you walk away with money.

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Your Ability to Qualify

3+ deals experience, net worth approximately equal to loan amount, 680+ credit score, 10%+ reserves. Can't qualify alone? Bring a partner.

What Types of Deals Work

Single-Family Rentals

Perfect for investors building rental portfolios with consistent cashflow

Small Multifamily

2-4 unit properties ideal for scaling your rental business

Large Multifamily

Apartment complexes and larger residential investments

Commercial Assets

Mobile home parks, RV parks, storage facilities, and mixed-use properties

If there's a new acquisition loan and 40%+ seller equity, it can with the Stack Method.

Unlock More Deals

Bring Your Old Deals Back to Life

Use the Stack Method to revive deals that didn't work before. Turn past failures into future successes with creative financing.

❌ Cash Deals That Fell Through

Couldn't raise the capital in time? Now you don't need to.

❌ Sellers Who Wanted Too Much Down

Give them what they want while keeping your capital intact.

❌ Overpriced Properties Needing Partners

Structure the deal to work without giving up equity or profits.

Now you can structure, close, and get paid to buy all on your own terms, without partners or outside capital.

How Does This Compare to Traditional Real Estate Purchases?

Traditional Model

  • 70% Loan + 30–40% Cash Down & Closing Costs

  • Need to raise capital or use partners

  • High capital requirement slows growth

  • Share 40–80% profit with partners

Stack Method Model

  • 70% Loan + Seller Finances 30–40% Down & Closing Costs

  • Relational Capital funds payout to seller at close

  • Buy deals with zero cash out of pocket and scale faster

  • Keep 100% of the deal profits

What Relational Capital Brings to the Table

We handle the messy middle so you can focus on deals

Use the Stack Method to revive deals that didn't work before. Turn past failures into future successes with creative financing.

Our Network

  • Preferred lenders comfortable with Stack Method structures

  • Title companies that understand complex closings

  • In-house attorneys ensuring compliance

Our Services

  • Full transaction coordination

  • All transactional funding you need

  • White-glove deal structuring

Our Fees

  • $1,400 TC fee (after lender term sheet)

  • 10% on funds provided (baked into deal)

  • Earnest money funding: 10% upfront (min. $2,500)

  • Double closings: 2–3% (up to $100M)

Frequently Asked Questions

Can I wholesale these deals?

Yes — it's actually easier because the buyer gets paid at closing. The Stack Method makes wholesaling more attractive to end buyers.

Can I broker these deals?

Absolutely. Offer sellers more upfront and residual cashflow. This creates win-win scenarios for everyone involved.

What types of properties work?

Single-family, multifamily, and commercial assets with new loans + seller financing. If there's 40%+ equity, it works.

What if the seller won't carry back as much?

The deal can still work — you just bring some capital. Start by asking for 120% of cash to close and negotiate from there.

What if I can't qualify for the primary loan?

Bring a partner who can. Combined qualifications count. This is a common solution that keeps deals moving forward.

Partnership & Referral Opportunities

🤝 Grow Together

We pay lifetime referral fees for every borrower you bring who closes with us. Whether you're a broker, agent, or fellow investor, we believe in rewarding those who help grow our network.

Join our partner program and create an additional revenue stream while helping other investors access the capital they need to scale.

Ready to Close More Deals — Without Using Your Own Cash?

Stop letting capital constraints limit your growth. Start using the Stack Method to close more deals, keep 100% of the profits, and scale your real estate business faster than ever before.

Copyright 2025. Relational Capital LLC. All Rights Reserved.