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For Wholesalers & Flippers

Simultaneous Closings (A→B→C) in Florida

Two transactions, one day, one title company. We coordinate the A-to-B and B-to-C closings so your wholesale deal funds and records without a hitch.

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How Same-Day Double Closings Work

The Florida Wholesaler's Closing Engine

A simultaneous closing — also called a double closing or back-to-back closing — is two separate real estate transactions on the same property, closed on the same day, by the same title company. The wholesaler (B) acquires the property from the original seller (A) and immediately resells it to the end buyer (C). Two deeds, two settlement statements, two title policies, one closing date.

Atlantic Title Firm has built its investor practice around exactly this kind of fast-moving transaction. Whether you are wholesaling distressed REOs in Broward, flipping inherited properties in Palm Beach County, or closing a creative-finance double escrow in Miami-Dade, we know what each leg requires — and how to keep funds, signatures, and recordings in the right order.

2
Separate Closings, Same Day
48hr
Title Search Turnaround
67
FL Counties Served
2
Title Policies Issued
Simultaneous closing coordination for Florida wholesalers
When to Use a Simultaneous Close

The Right Tool for The Right Deal

Non-Assignable Contracts

REO sales, HUD homes, and many institutional sellers prohibit assignment of contract. A simultaneous close lets you legally take title and resell without breaching the original purchase contract.

Confidential Spread

In a double close, the original seller never sees the C-buyer's purchase price. Two separate settlement statements keep your wholesale margin private and protect deal integrity.

Lender-Required Title Vesting

Some end-buyer lenders refuse assigned contracts and require the seller of record to actually hold title before funding. A simultaneous close satisfies that requirement on closing day.

Transactional Funding Coordination

We coordinate directly with Florida transactional lenders providing the one-day funding for the A-to-B leg, then immediate payoff from C-buyer proceeds — keeping every dollar properly sourced and disclosed.

Two Separate Title Policies

We issue a full owner's title insurance policy on both legs so the C-buyer and their lender are fully insured against any defect in either chain of title.

Same-Day Recording

Both deeds — A-to-B and B-to-C — are recorded with the county clerk in the correct order on closing day so the chain of title is clean for future searches.

Florida doc stamps and recording fees for double closings
Florida-Specific Considerations

Two Sets of Doc Stamps, Two Sets of Fees

One thing every Florida wholesaler should plan for: a double close means two sets of Florida documentary stamp taxes on the deeds. Documentary stamps on deeds in Florida are $0.70 per $100 of consideration in 64 counties and $0.60 per $100 in Miami-Dade County. Each leg of the simultaneous close generates its own doc stamp obligation — so a $100,000 A-to-B and a $130,000 B-to-C produce two separate doc stamp bills.

We disclose every fee on each settlement statement up front, and our team will walk you through expected closing costs by county before you commit to a simultaneous structure. If the spread is too thin to absorb double doc stamps and double recording fees, an assignment of contract may be the better fit — and we handle both.

Our Process

How Your Double Close Works

1

Send Both Contracts

Upload the A-to-B and B-to-C contracts together. We open both files simultaneously and assign a single dedicated processor to coordinate the deal.

2

Title Search & Lender Approval

We run one combined title search, clear any defects, and confirm in writing with the C-buyer's lender that a simultaneous close is acceptable.

3

Prepare Two Closings

We draft two deeds, two settlement statements, two title commitments, and coordinate transactional funding for the A-to-B leg if needed.

4

Fund, Sign, Record

A funds and signs first. Within minutes, B-to-C signs and funds. Both deeds record with the county the same day. Your wholesale fee wires same-day.

Common Questions

Simultaneous Closing FAQ

What is a simultaneous closing in Florida real estate?
A simultaneous closing — sometimes called a double closing — is two back-to-back real estate transactions on the same property on the same day. The A-to-B transaction (original seller to wholesaler/investor) closes first, immediately followed by the B-to-C transaction (wholesaler to end buyer). Each closing has its own settlement statement, its own deed, and its own title insurance policy.
How is a simultaneous close different from an assignment of contract?
In an assignment, the wholesaler never takes title — the contract itself is assigned to the end buyer for a fee. In a simultaneous close, the wholesaler actually takes title (even if only for minutes) and resells. Simultaneous closings are useful when the original seller cannot know the resale price, when the property has deed restrictions limiting assignments, or when the lender of the C-buyer will not allow assigned contracts.
Can the B-to-C buyer's funds be used to fund the A-to-B closing?
This is the trickiest part of a simultaneous close. Most institutional lenders prohibit their funds from being used to fund an earlier, separate transaction. Atlantic Title Firm structures these deals carefully — typically using transactional funding or short-term gap funding for the A-to-B leg so that the C-buyer's funds are only used to acquire title from B. We require lender approval up front before agreeing to a same-day double close.
Do I need transactional funding for a simultaneous close?
In most cases, yes. Transactional funding (sometimes called "flash cash") is a one-day loan used solely to fund the A-to-B leg, then immediately repaid from C-buyer proceeds. We work with several Florida transactional lenders and can refer you if you need one.
How long does Atlantic Title Firm need to prepare a simultaneous closing throughout Florida?
For all 67 Florida counties, we typically need 7–10 business days from order to close — assuming a clean title and timely cooperation from both lenders. With our 48-hour title search and rush options, we can move faster on tight contracts.
Are double closings legal in Florida?
Yes. Simultaneous and double closings are fully legal in Florida when properly disclosed and documented. Both the original seller and the end buyer must sign their own settlement statements, the title company must clearly separate the two transactions, and any funding sources must be lawfully sourced and disclosed.
Related Investor Services

Other Tools in Your Wholesale Stack

Not every deal is a simultaneous close. We also handle assignment of contract closings when the contract allows, offer volume pricing for investors closing 5+ deals per year, and partner with hard money lenders across Florida. Need the full picture? Review our end-to-end wholesaler process or visit our statewide service area.

Got a Double Close This Week?

Let's Close It Right

Send us both contracts today and we will tell you within one business day whether a simultaneous close is the right structure for your deal.

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