Have you found a hot off-market deal—but don’t want to risk your own funds?
Wondering how to close two deals on the same day with no money down?
Looking for real-world numbers, timelines, and expectations from transactional lenders?
You’re about to learn how to structure a double close wholesale real estate deal—without using a cent of your own capital. Whether you’re a seasoned investor or a first-time wholesaler, this guide will show you how to pull off fully-funded back-to-back closings using smart strategy, reliable funding, and timing precision.
What is a Double Closing in Wholesale Real Estate?
A double closing, also known as a back-to-back closing, is when you buy and sell a property on the same day—without ever holding it long-term. This is ideal when:
- You want to keep your profits private from the end buyer
- You’re working with a seller who won’t allow assignments
- Your buyer is using financing that doesn’t permit wholesaler assignment fees
In this setup, you have an A-to-B transaction (you buy from the seller), and a B-to-C transaction (you sell to the end buyer). With the right transactional funding, you can do both without touching your own wallet.
How to Structure a Double Closing Without Your Own Money
Step-by-step, here’s how you do it:
| Step | What Happens | Key Player |
| Step 1 | Contract signed with Seller (A-B deal) | You + Seller |
| Step 2 | Contract signed with Buyer (B-C deal) | You + End Buyer |
| Step 3 | Schedule both closings same day | Title Company |
| Step 4 | Secure transactional funding | Private Money Lender |
| Step 5 | Funds used to purchase from Seller | Transactional Lender |
| Step 6 | Buyer’s funds close your second deal | End Buyer |
| Step 7 | Profit captured in between two closings | You |
Non-Negotiables Before You Move Forward
- Proof of Buyer Funds
Before you even approach a lender, make sure your end buyer is locked in and fully funded. No lender will front you transactional cash without a clear exit in place. - Title Company That Gets It
You need a title company experienced in wholesale real estate double closing deals. Timing is everything, and an inexperienced closer can derail your deal in seconds.
Here’s Where Most Wholesalers Go Wrong
They rush to close without confirming if their title company and buyer can perform within a 2- to 4-hour funding window. That mistake? Costly.
Here’s a cliffhanger: What if the end buyer backs out after you’ve already used the lender’s funds to buy the deal? Yes, that’s a real risk—and we’ll show you how to cover yourself from that later in this guide.
Let’s Run the Numbers on a 100 Percent Funded Deal
Say you’re under contract to buy a home for $100,000 and sell it for $120,000.
- Your transactional lender funds the full $100,000
- The end buyer brings $120,000 to the second closing
- Your title company handles both transactions in one day
- You walk away with a clean $20,000 (minus closing costs and lender fee)
According to Forbes, over 85 percent of experienced wholesalers use transactional funding for double closings to keep assignment fees off the HUD and maximize deal control.
Why Transactional Lenders Prefer Tight Turnarounds
You may be surprised—private money lenders actually prefer short-term deals. These no-risk, same-day transactions allow them to recycle capital quickly and stay liquid. Here’s what they typically expect:
- A solid buyer’s proof of funds
- Title company that understands double closings
- A fully executed A-B and B-C contract
- Your cooperation on timelines and document flow
How EMD Transactional Funding Fits the Deal Perfectly
Whether it’s your earnest money deposit or the A-to-B purchase price, EMD Transactional Funding caters to all the demands placed forth by the concerned individuals. From same-day capital injection to fully managed wire coordination, we ensure your deal moves seamlessly—without delays or disruptions.
Can You Legally Hide Your Wholesale Fee?
Some investors ask whether double closings are a “workaround” to hide their profit. The truth? You can still stay compliant—and smart—when you know how to structure the deal within legal guidelines. Stay tuned… we’ll cover that in our upcoming article on compliance-first wholesaling.
Now It’s Your Move
You’ve just seen how a double close wholesale real estate deal can be pulled off using transactional funding—100 percent funded, zero personal capital required. You have the structure, you have the steps, and you’ve seen the numbers.
Still unsure about the best lender or title company to partner with?
We’re here to help you close faster, safer, and smarter.
Let’s talk. Because your next deal shouldn’t wait.
