REAL ESTATE INVESTOR FINANCING

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    Advanced Structure

    Transactional Down-Payment Funding on the B-C Leg.

    Transactional down-payment funding on the B-C leg of a double close. The end buyer has a primary loan; Echo capital supplies the allowed down-payment gap, and the wholesaler's spread repays the transactional capital and fee at settlement — so the spread must support both.

    Program Details

    Typical Funding Amount
    Approximately 15%–25% of the purchase price
    Timeline
    Same-day — transactional funds enter and exit within the coordinated closing structure
    Structure
    Transactional down-payment funding on the B-C leg of a double close
    Repayment
    From the wholesaler's spread at settlement
    Credit Check
    No personal credit pull on the current transactional structure
    Underwriting
    Primarily the transaction, primary financing, value, spread, closing mechanics, and title/escrow
    Who It's For
    End buyers who need down-payment support on the B-C leg of a double close

    Maximum leverage and actual terms depend on the borrower, property, transaction, state, and applicable capital source. Core program terms are shown below; alternative financing options may be available for transactions outside these parameters.

    Who This Program Is For

    • Double-close deals where the end buyer's primary loan leaves a down-payment gap
    • Wholesalers with enough spread to cover the advance and fee
    • Transactions with a supported B-C value

    Pricing

    Base Fee

    2.5%

    Minimum Fee

    $2,500 minimum

    Potential Add-Ons

    Full verification of funds (VOF)
    +1%
    Multiple fund movements
    +1%

    Echo Fee Calculator

    Enter the transactional capital requested. Base fee is 2.5% with a $2,500 minimum. Add-ons apply for full verification of funds (VOF) and multiple fund movements.

    Formula: Base = 2.5% × capital ($2,500 min). +1% for full VOF. +1% for multiple fund movements.

    This estimate is for planning purposes only. It is not an approval, commitment, term sheet, or guarantee of financing. Actual proceeds, rates, fees, and terms depend on borrower qualifications, property review, appraisal or valuation, provider guidelines, underwriting, and program availability.

    Calculator results are estimates for informational purposes only and are based on the information and assumptions entered. Results are not an approval, prequalification, quote, commitment to lend, or guarantee of financing. Actual loan amounts, payments, DSCR, leverage, interest, fees, required equity, and other terms may differ following underwriting, valuation, and final program review.Legal Disclosures

    Continue With These Numbers

    How the Echo Works

    A-B: the wholesaler purchases from the original seller. B-C: the end buyer purchases from the wholesaler. The end buyer has a primary loan; Echo capital supplies the portion of the end buyer's required down payment / cash-to-close allowed by the transaction structure. The wholesaler's spread repays the transactional capital and fee at settlement.

    The Spread Must Support the Structure

    The spread has to support the transactional capital advanced, the funding fee, and applicable closing costs. If the spread cannot repay the capital, the structure does not work as an Echo. Options include increasing the B-C price only if appraisal/value supports it, reducing the transactional capital, increasing the buyer contribution, or restructuring the transaction. Artificial price inflation is not a solution.

    Appraisal Matters

    The B-C price must be supported by the applicable valuation/appraisal because the end buyer's primary financing is sized from that value. No supported B-C value means no properly sized primary loan, and without it the Echo structure may fail.

    Funding Sequence & Transparency

    1) Submit A-B and B-C contracts. 2) Submit the end buyer's primary loan terms/approval. 3) Confirm the spread. 4) Confirm the title company can accommodate the structure. 5) The primary lender's funds arrive at title first. 6) Transactional down-payment capital is wired to title. 7) The B-C closes. 8) Title repays the transactional capital from the spread. 9) Remaining wholesaler profit is disbursed. All transactional capital movements are coordinated through title/escrow and reflected according to the applicable closing and disclosure requirements.

    What to Have Ready

    Having these ready speeds up review. You can still submit without all of them and provide additional documents later.

    • Property address
    • A-B price
    • B-C price
    • Primary end-buyer loan amount
    • Primary lender
    • Required down payment
    • Requested Echo funding
    • Available buyer cash
    • Estimated spread
    • A-B closing date
    • B-C closing date
    • Title company
    • Primary loan term sheet
    • A-B contract
    • B-C contract
    • VOF required?
    • Multiple fund movements?

    Learn How This Works

    Read the educational guide for a deeper, plain-English walkthrough of the mechanics, money flow, and tradeoffs.

    Read the Guide

    Frequently Asked Questions

    Run the Numbers

    Estimate leverage, payments, or coverage before submitting your deal. Illustrative program calculation only — not an approval, offer, or financing terms.

    Open Calculator

    Investment and business-purpose transactions only. No owner-occupied consumer financing. Programs, eligibility, leverage, rates, fees, terms, timelines, and availability vary by property, location, borrower qualifications, documentation, and deal structure. All financing is subject to underwriting and final approval. Green Fire Strategies does not guarantee approval, terms, closing, or funding.

    Ready to submit a echo funding deal?

    Submit once. We'll review the transaction and identify potential financing paths.