Back-to-Back Closing in Florida: How a Double Close Works
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.
A back-to-back closing is two separate sales of the same property on the same day: the seller (A) sells to you (B), then you sell to your end buyer (C). Each leg has its own deed, settlement statement and doc stamps. You fund the A-to-B leg with your own money, transactional funding, or, only when allowed, a cash end buyer's funds. At Atlantic Title Firm the settlement fee is $795 per side and the title search is $125 per transaction, with title searches back in 48 hours.
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.
The Right Tool for The Right Deal
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.
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.
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.
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.
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.
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.
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 66 counties and $0.60 per $100 in Miami-Dade County (plus a $0.45 surtax there when the property is not a single-family home). 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.
What a Double Close Costs
Two closings means two sets of costs. Here is what to budget for on each leg, so you can check your spread before you commit.
Who pays each line follows your contracts. Closing several deals a year? Ask about investor volume pricing.
Three Ways to Fund the A-to-B Leg
The first closing has to be paid for before the second one funds. How you cover it decides how the deal is structured, so we settle it before we set a closing date.
1. Your own funds
The simplest structure. You wire the A-to-B purchase price, close, then sell to C. No outside approvals beyond the normal closing.
2. Transactional funding
A one-day loan covers the A-to-B leg and is paid back from the B-to-C proceeds. We follow your funder's closing instructions and can issue a closing protection letter to them. This is the usual route when your end buyer is financing.
3. A cash end buyer's funds
Only when it is allowed: the end buyer must be paying cash, consent in writing, and the structure must meet our underwriter's requirements. A financing lender's loan funds generally cannot be used to pay for the A-to-B leg.
What to Send Us
- Both executed contracts: A-to-B and B-to-C (or your assignment agreement)
- Property address and target closing date
- How the end buyer is paying (cash, conventional, FHA, VA or hard money)
- Your transactional funder's contact and closing instructions, if you are using one
- Entity documents for your LLC: articles, Sunbiz status and an operating agreement or signer resolution
We open title the day we receive your contracts and tell you within one business day whether a same-day double close fits your deal.
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How Your Double Close Works
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.
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.
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.
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.
Simultaneous Closing FAQ
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.
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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