A flat fee per deal, agreed in writing before anything is wired, and paid at closing out of the settlement statement with the deposit itself. We quote it after reading the contract, because the risk depends on the clause, the inspection window and the exit.

Is this a loan to me personally?

No. It is business-purpose funding tied to one investment property under contract. We do not fund owner-occupant purchases or anything for personal, family or household use.

What if the deal falls apart?

If you cancel inside the inspection period and the deposit comes back from escrow, it is returned to us under the written agreement. That is exactly why we read the refund clause and talk to title before we fund. The terms for a deal that dies are in the agreement before you sign it.

Do you fund in every state?

Not necessarily. Rules on private lending, licensing and interest limits vary by state, and we confirm the deal fits them before we quote. Some deals we will have to decline.

How fast can you wire?

We quote the same business day. Speed after that depends on how quickly title confirms the file and we verify their wire instructions by phone, a step we never skip.

Do I have to sell the deal to you?

No. We fund deposits on deals that close with other buyers too. If you want an offer from us as well, submit it separately.

Gator Lending & EMD Funding for Wholesalers

How it works

Send the deal. Contract, EMD amount and due date, the title company, and your exit.
We read the contract. The refund clause, the inspection period, who the escrow agent is and whether the deposit can be returned to us if you cancel in time.
Written agreement. Amount, flat fee, repayment at closing, and what happens if the deal dies. You see it all before you sign.
Title is told. We confirm with the escrow officer that the deposit is funded by us and payable back to us at closing, the same way an agent files commission instructions.
We wire to title, never to you. After verifying the wire instructions by phone at a number we find ourselves.
Repaid at closing. The deposit and the fee come off the settlement statement.

What we check before funding

Check	Why it matters
Refund-to-designee clause	Lets escrow return the deposit to the funder, not only to the named buyer
Inspection or option period	Your window to cancel and get the deposit back. After it closes, the deposit is usually at risk.
Seller release	Many escrow officers release a deposit only with both parties' signatures, whatever the contract says. A pre-signed release on title's own form closes that gap.
The exit	Who pays us back at closing: your end buyer, your private lender or your own funds
Wire instructions	Verified by phone every time. Wire fraud targets exactly this step.

The full walkthrough is in the contract clauses and title steps that protect a borrowed EMD. New to the idea? Start with gator lending explained, then how to find and vet a gator lender and gator lending vs. hard money vs. transactional funding.

When we say no

No way to get the deposit back if the deal dies: no refund clause, no release, the period already over.
Owner-occupant or personal-use purchases.
A title company we cannot reach and verify.
A state where the deal would not fit the lending rules.

Restar Acquisitions funds deposits as a private business-purpose lender on specific investment deals. We are not a bank or a consumer lender, and nothing here is legal, tax or lending advice. Talk to a real estate attorney in your state about your contract.

Related guides

Gator Lending: What It Is and How the Math Really Works

Gator lending explained: short-term EMD and transactional money, a real subject-to walkthrough, honest return math, and the risks for lender and borrower.

How to Find a Gator Lender (and Vet One Before You Wire)

Where wholesalers find a gator lender for earnest money, what to send, how to compare terms, the red flags, and a funding request checklist you can copy.

Gator Lending vs. Hard Money vs. Transactional Funding

Gator (EMD) money, transactional funding and hard money compared: what each pays for, when it wires, how it is repaid, the risks, and which deal needs which.

Earnest Money in Wholesaling: How Much, and Getting It Back

How much earnest money a wholesale deal needs, who holds it, when it goes hard, how to get it back, and what to do when five open contracts drain your cash.

Borrowing Earnest Money: EMD Loan Contract Protections

Borrowing earnest money safely: the refund clause, telling title, a pre-signed release, mutual-release states, settlement-statement payoff and wire checks.

Also useful: submit a deal to us · transaction coordination

Common questions

What do you charge?: A flat fee per deal, agreed in writing before anything is wired, and paid at closing out of the settlement statement with the deposit itself. We quote it after reading the contract, because the risk depends on the clause, the inspection window and the exit.
Is this a loan to me personally?: No. It is business-purpose funding tied to one investment property under contract. We do not fund owner-occupant purchases or anything for personal, family or household use.
What if the deal falls apart?: If you cancel inside the inspection period and the deposit comes back from escrow, it is returned to us under the written agreement. That is exactly why we read the refund clause and talk to title before we fund. The terms for a deal that dies are in the agreement before you sign it.
Do you fund in every state?: Not necessarily. Rules on private lending, licensing and interest limits vary by state, and we confirm the deal fits them before we quote. Some deals we will have to decline.
How fast can you wire?: We quote the same business day. Speed after that depends on how quickly title confirms the file and we verify their wire instructions by phone, a step we never skip.
Do I have to sell the deal to you?: No. We fund deposits on deals that close with other buyers too. If you want an offer from us as well, submit it separately.

Who you will be dealing with

Trevor McAmis

Owner & Acquisitions Lead, Restar Acquisitions. (313) 710-6129 · More about us

Every offer on this site is underwritten by a person, not a form. If the numbers do not work for you, say so and I will tell you what would.