● Creative finance, decoded

The Stack Method Academy

Ben's seller-finance system — pulled straight from the call recordings, transcribed, cleaned up, and broken down into the actual moves that matter. Pay full price, finance the down, "stack" the seller into the LLC as a capital contribution, then refinance them out tax-efficiently at the balloon. Everything's here: audio, transcripts, lessons, and a quiz.

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The Stack Method: money and equity flowing around a house held in an LLC
6
Source recordings
3×
Views per clip
8
Course lessons
30
Quiz questions

The method in one breath

If you only remember five things, remember these. The lessons go deeper on each.

Meeting on full price for better terms

1 · Meet full price

You agree to the seller's full asking price (if it appraises). The leverage isn't the price — it's the terms: more equity up front in exchange for the structure.

Debt fund and transactional funder financing the deal

2 · Finance the down

A debt fund finances the down payment; a transactional funder covers the escrow leg for a one-day close. You bring far less of your own cash to the table.

Capital contribution stacked into an LLC

3 · Stack the seller in

The remaining balance becomes a capital contribution into a newly-formed LLC — the seller keeps a small equity position (often 5%) instead of holding a plain note.

Balloon refinance paying the seller out tax-efficiently

4 · Refi them out, tax-smart

At the balloon you refinance and pay the seller from the new loan. They're receiving debt proceeds — generally not taxed as income (confirm with a CPA).

Clean title lets an end buyer finance the property

5 · End-buyer can get a loan

Because the property sits clean in the LLC (not buried under a wraparound note), an end buyer/wholesaler can actually finance the whole thing — the fix to the messed-up contract.

60-day cure protection shield around the deal

6 · Protect everyone

The operating agreement adds a 60-day cure on missed obligations — miss taxes, insurance or HOA past 60 days and the seller takes 100% of the LLC. Aggressive terms, never predatory. A trust variant exists if equity feels unfamiliar.

Work through it

Built so a fellow student can go from zero to running the play.

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The Course

Eight written lessons + essays that assemble the whole strategy step by step, with the numbers worked out.

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Transcripts

Every recording with audio player + three views: raw, readable, and the real-estate-only takeaways.

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The Quiz

30 scored questions with explanations. Find out if you could actually pitch this on a seller call.

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Glossary

Every term Ben uses — capital contribution, debt-financed distribution, transactional funder — in plain English.

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Audio Downloads

De-duplicated, re-encoded MP3s plus silence-trimmed "condensed" cuts. Yours to keep.

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The Contract Fix

The exact rewrite Ben sent after the wrong agreement went out — and why the LLC structure matters.
Heads up: This is study material assembled from recorded lessons for educational use. It is not legal, tax, or investment advice. The tax treatment described (debt-financed distributions, etc.) depends on each seller's basis — always have a CPA and attorney confirm before structuring a real deal.