EMD Funding
What Is EMD Funding and How Does It Work for Wholesalers?
The complete guide to earnest money deposit loans — who needs them, how the process works, and how to find a reliable EMD lender.
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The Problem
You Found the Deal. You Found the Buyer.
Then Your Lender Ghosted.
Every week, wholesalers lose five-figure spreads — not because the deal was bad, but because their transactional funding fell apart at the last minute.
24HRS
Avg Funding Time
Operator Owned
We are wholesalers. We understand assignments, blind HUDs, and the hustle. We underwrite the deal — not you.
Zero DTI Checks
Credit score and W-2 are irrelevant. If the deal makes mathematical sense, we wire the funds.
Protect Your Spread
Double close to hide your assignment fee from both sides. 100% transactional — zero exposure.
One Partner. Three Solutions.
Every Deal Structure.
Funded Same Day.
No credit check. No banks. No waiting.
Submit your deal and we handle the rest.
EMD Funding
We Wire.
Submit an EMD Deal
We Wire.
You Close.
Lock down your contract fast — without touching your own capital. We wire the EMD directly to title so you control the deal. Our fee comes back at close.
Upfront underwriting fee required. Non-refundable. Serious deals only — and that's how it should be.
Fast wire to title
Lock the contract
Double Close — Most Popular
Both Sides.
Submit a Double Close
Both Sides.
Same Day.
Your spread is too big to assign. Two contracts — AB (seller→you) and BC (you→buyer) — close back-to-back. We fund the AB transaction. BC pays us back immediately. Your margin stays protected.
Non-negotiable: End buyer's funds must be in escrow before we wire. This is how every professional double close works.
Protect assignment fee
Zero cash out of pocket
Stack Method / Morby Method
Gap Funded.
Gap Funded.
Deal Done.
DSCR lender covers 70% LTV. Seller carries 30%. But if the seller doesn't have that 30% liquid at closing, the deal dies. We fund that gap — investor closes, seller gets paid, we get our fee returned through the carry position.
More vetting required. Tony can walk you through whether your deal qualifies in minutes.
Infinite ROI strategy
Take down massive deals
Submit Your Deal Now
Not sure which funding type fits?
Process
Simple. Fast. Done Right.
Three steps from first contact to funded. No bank. No credit check. No confusion.
01
Submit Your Deal
Fill out the form at deals.lacasadecash.com. Include contracts, purchase price, closing date, and title company. Or talk to Tony first — he'll gather everything conversationally.
02
We Match & Vet
We review your deal, match it to the right lender, confirm with title, and verify every detail. You get a clear answer fast — no ghost zones, no uncertainty.
03
Funds Hit Escrow.
Once title confirms, we wire. You close. You collect your spread. We collect our fee from the deal. Then we do it again.
"You won't be waiting on me, and I don't want to wait on you — that's how we keep deals moving."
Submit Your Deal Now
Pricing
Fees Come From the Deal.
Fees Come From the Deal.
Not Your Pocket.
No flat fees. No bank scrutiny. No drama.
Traditional Hard Money
EMD FundingUp to 40%
Double CloseUp to 3%
Stack MethodUp to 5%
La Casa De Cash
EMD Funding
5% Upfront + 20% at Close
Double Close
Starting at 1.5%
Stack Method
Starting at 2.5%
Down Payment Required
$0
Rates vary based on deal size, duration, and structure. Final fee confirmed at time of submission.
Common Questions
Everything You Need to Know
Everything You Need to Know
Before You Submit.
Resource Center
View All Articles →
The Wholesaler's Funding Playbook.
Double Close
Double Close vs. Assignment: Which Strategy Protects Your Spread?
When to assign and when to double close — the numbers that determine when transactional funding makes more sense.
Read Article
Stack Method
The Morby Method Explained: Stack Method Funding for Real Estate Investors
How the stack method works, when a seller doesn't have 30% liquid at closing, and how gap funding bridges the deal.
Read Article
For Private Lenders
Deploy Your Capital Into
Deploy Your Capital Into
Vetted, Short-Term Deals.
We have a consistent pipeline of EMD, double close, and stack method deals that need reliable capital. Instead of spending time finding and vetting deals yourself — let us do it and bring you the ones that match your criteria.
Every deal in our pipeline is escrow-protected. We vet the title company, confirm end buyer's funds, and make sure the deal is structured correctly before we ever send it your way.
Short-term capital deployment
Escrow-protected only
You set your deal criteria
We handle borrower relations
Apply to Join Our Lending Network →
What We Look for in Network Lenders
Capital availability — Liquid capital ready to wire within 24 hours of confirmation.
Reliability — You commit to a deal, you show up. We don't work with maybes.
Communication — Respond within hours. Deals move fast. You need to move fast.
Deal preferences — EMD only? Double close? Tell us. We match accordingly.
For Transaction Coordinators, Title Companies & Agents
Send Us a Deal. Get Paid When It Closes.
If you regularly work with wholesalers — you're sitting on referral income you're not collecting. We make it simple.
You Refer
A wholesaler on your deal needs funding. You send them to us. We handle everything from there.
We Fund
We vet the deal, match the lender, coordinate with title, and get funds to escrow. You focus on your role.
You Earn
When the deal closes, you receive a referral commission. No complicated splits. No waiting on paperwork.
Become a Referral Partner →
Or email us at affiliate@lacasadecash.com