If you’re wholesaling real estate, you’ve likely faced the double close vs assignment dilemma. While assigning contracts may look simple on paper, in practice, it can expose you to legal risks, profit leaks, and title delays. That’s where a double close for wholesalers becomes your strategic advantage—especially when supported by fast EMD and transactional funding.
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Quick Comparison: Assignment vs Double Closing
| Criteria | Assignment | Double Close |
| Profit Privacy | Exposed to end buyer | Fully protected |
| Legal Scrutiny | Varies by state; higher risk | More secure with clean title flow |
| End Buyer Resistance | Can back out over large assignment fee | Rare, as profits are not disclosed |
| Title Insurance | May be rejected by underwriters | Easier approval with full ownership chain |
| Funding Needs | None, unless deposit is required | Requires funding (covered by transactional lenders) |
Why Do So Many Wholesalers Still Assign?
Because it feels easier. No funding, no two closings—just assign and collect a check. But what many overlook is how assignment exposes you legally and financially.
Myth Buster #1:
“Assignments are always faster and cleaner.”
Not always. Title companies in states like Illinois, Ohio, and Maryland are tightening up. Many now require wholesalers to close—and assignments could delay deals or cause cancellations.
Protect Your Profit – Keep It Off the HUD
When you assign a contract, your assignment fee shows up right on the closing statement. If you’re earning $30K+ in a tight market, your end buyer might walk or renegotiate. With a double close for wholesalers, the A-B and B-C transactions are split—keeping your margin completely off the end buyer’s radar.
Transactional funding bridges the gap. You don’t need to come out of pocket. Lenders like us handle the earnest money deposit (EMD) and same-day close funds—so you maintain speed and control.
According to the National Association of Realtors (NAR), 41% of real estate deals involving assignments in urban markets faced delays or increased scrutiny from title underwriters and attorneys in 2023. This makes the double closing model not just safer—but often, the only viable option.
Myth Buster #2:
“Double closes are expensive and not worth it.”
Not true with transactional lenders. You pay only a small flat fee or percentage, and that cost is a fraction of what you’d lose if a deal falls through or you’re forced to lower your fee to appease the buyer.
Strategic Advantage: Keep Control, Build Credibility
Using a double close wholesaling strategy positions you as a serious investor—not just a middleman. Attorneys, underwriters, and sophisticated buyers take your contracts more seriously when you’re on both sides of the table.
By closing the A-B leg with our EMD Transactional Funding, you stay compliant, confident, and capital-efficient. We cater to all the demands placed forth by wholesalers who need speed, privacy, and title-friendly closings.
So… When Should You Definitely Double Close?
- Large assignment fee? → Double Close
- Nervous or savvy buyer? → Double Close
- Finicky title company or attorney? → Double Close
- State-specific restrictions? → Double Close
Looking Ahead: Double Close as the New Norm
As compliance tightens and investor expectations rise, expect double closes to become the standard. With the right funding partner, it’s no longer a hassle—it’s your profit-protection strategy. And in today’s market, protecting your spread is not optional. It’s essential.
Choose smarter. Close cleaner. Keep control.
Need fast EMD and transactional funding for your next wholesale deal?
We’re here to fund your A-B side—so you can focus on the B-C close without exposing your hard-earned spread.
