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Arizona Transactional Funding Specialists

How Same Day Double Closes Work in Phoenix, Arizona

A double close — also called a double escrow or simultaneous close — lets you wholesale a property without showing your profit margin to the seller or your end buyer. Here is exactly how it works.

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The Basics

What Is a Double Close?

Two transactions. Same day. Your profit stays private.

A double close (also known as a double escrow ↗ or simultaneous closing) is a real estate technique where you purchase a property from the original seller and immediately sell it to your end buyer — both transactions closing back-to-back on the same day through the same title company.

Unlike a contract assignment, where your wholesale fee appears on the settlement statement, a double close gives you two completely separate transactions — two separate HUDs, two separate closings. Neither the seller nor your end buyer ever sees what the other side paid. Your spread stays completely private no matter how large it is.

The funding gap — the cash needed to buy the property before your end buyer's funds arrive — is covered by transactional funding. That is what we provide.

A
Original Seller
Sells to you (B)
The seller receives their agreed purchase price. They never see the B-C transaction.
→
B
You — The Wholesaler
Buy from A, sell to C
You close both sides same day. Your spread is the difference between A-B and B-C prices.
→
C
Your End Buyer
Buys from you (B)
Your end buyer pays the B-C price. They never see the A-B transaction or your profit.
Step by Step

How It Works From Start to Finish

Here is the exact sequence of events in every double close we fund.

1
You get both contracts signed
You need two fully executed Purchase and Sale Agreements — the A-B contract (you buying from the seller) and the B-C contract (you selling to your end buyer). Both contracts must have matching back-to-back closing dates. You are also responsible for opening escrow with your title company and scheduling both closings on the same day.
2
You submit your deal to us
Upload both contracts through our deal submission form. Our team reviews the package — purchase prices, closing dates, entity names, and that the numbers work. Once approved, we send you the lender documents to e-sign. This formalizes the funding agreement between us.
Our Transaction Coordinator takes over from here — coordinating with your title company, tracking wire cutoffs, and managing both files through to closing day.
3
Title does their work
Your title company runs the title search, orders payoff statements, and prepares preliminary settlement statements for both the A-B and B-C closings. This typically takes 7–14 days. Our TC stays in contact with your escrow officer throughout.
4
Your end buyer's funds are verified
Before any wire goes out, title and our team verify that your end buyer's funds are confirmed for disbursement under the written escrow instructions. If your C-buyer is using a lender, their loan must be fully approved and ready to fund. Our funding wire for A-B goes out only after C-buyer funds are verified.
This protects you. If your end buyer's funds are not verified, A-B does not fund — your deal does not proceed without confirmed C-buyer funds on the table.
5
Both closings happen same day
A-B closes first — we wire the funds to title, you purchase the property from the original seller. B-C closes immediately after — your end buyer purchases the property from you. Both transactions settle on the same day at the same title company.
6
You get paid — your spread disbursed from B-C proceeds
Our funding fee, Document Preparation fee, and TC fee are deducted from your B-C closing proceeds on the settlement statement. The remainder — your wholesale spread — is wired to you. You see the exact net amount before you sign anything at the closing table.
2
Contracts required — A-B and B-C
1
Title company — both sides close same day
$0
Your cash needed — we fund the A-B leg
100%
Profit private — neither side sees your spread
Decision Guide

When to Use a Double Close vs an Assignment

Both are valid wholesale strategies. Here is when each one makes more sense.

Use a Double Close when:

Your spread is large and you want it completely private
The seller's contract does not allow assignment
You are dealing with REO, HUD, or probate properties
Your end buyer wants a clean title chain with no assignment language
You want two separate settlement statements for cleaner bookkeeping
Arizona wholesale disclosure rules create scrutiny on assignment fees

Use an Assignment when:

Your spread is small and privacy is not a concern
The contract explicitly allows assignment
Your end buyer is fine seeing an assignment fee on the HUD
Cannot use if seller or lender prohibits assignment
Cannot use on REO, HUD, or most bank-owned properties
Profit is visible to all parties on the settlement statement
Side by Side

Double Close vs Contract Assignment

A quick comparison of the two most common wholesale exit strategies.

✓ Double Close
Profit completely private — two separate HUDs
Works on REO, HUD, and probate properties
No assignment clause needed in contracts
Clean title chain — end buyer gets clear title
No limit on spread size — $5K or $500K stays private
Contract Assignment
Assignment fee visible on the settlement statement
Not allowed on REO, HUD, or many bank-owned properties
Requires assignability clause in the original contract
Seller and end buyer can see your profit margin
Large spreads can create friction or deal-killing scrutiny

✓ Double Closing is Fully Legal in Arizona

Double closing — also called simultaneous closing or double escrow — is a legal and widely used practice in Arizona real estate. The Arizona Department of Real Estate (ADRE) ↗ regulates real estate transactions in the state. When executed correctly with proper funding, written escrow instructions, and a licensed title company, a double close is fully compliant with Arizona real estate law.

Common Questions

Double Close Questions, Answered

Straight answers on how double closes work in Arizona.

Ideally yes — using the same title company for both A-B and B-C is the cleanest, fastest, and most affordable option. If you use two separate title companies, an additional coordination fee applies. We can recommend investor-friendly Arizona title companies — type "rec title" in the chatbot.

It is possible but adds timing complexity. Your end buyer's lender must approve the loan and be ready to fund on the same day as the A-B closing. Many lenders are familiar with double closes — confirm with their loan officer early. If the lender is not comfortable with the same-day structure, a cash buyer is a simpler path.

The timeline is set by your title company — typically 7–14 days from when both contracts are submitted and escrow is opened. Title needs time to run the title search, obtain payoff statements, prepare settlement statements, and schedule the notary. Submit your contracts as early as possible to give title the time they need.

If A-B has not yet funded, your deal does not proceed and no wire goes out — funds stay in escrow or are returned per the written escrow instructions. If A-B has already funded and closing rolls, a daily carry fee applies because our capital is deployed. This is why verifying your end buyer's funds before closing day is critical.

Yes. We fund double closes on all property types — residential single-family, multi-family, commercial, apartments, and land. Commercial deals typically have longer timelines (30–60 days) due to additional due diligence, but the A-B/B-C structure is the same.

Yes — double closing is fully legal in Arizona when done correctly with proper funding, written escrow instructions, and a licensed title company. The Arizona Department of Real Estate (ADRE) governs real estate transactions in the state. Thousands of double closes happen across Arizona every year.

Ready to Close Your Deal?

Submit your A-B and B-C contracts and we will get your double close funded — same day when the package is complete.