Indiana's wholesaling rule is about your marketing, not your closing.
Indiana's HB 1068 has been in effect since July 1, 2024, and it took the lightest touch of any state: it adds a short disclosure to your seller marketing, but it left the double close — and wholesaling itself — fully intact. Here's the plain-English version, and where funding fits.
What the law does
Indiana's HB 1068, effective July 1, 2024, put the rule on your marketing rather than your transaction. In plain terms: if you're not a licensed real estate professional and you solicit a homeowner to buy or sell a single-family home, that solicitation has to say so — a short line telling the owner the message isn't coming from a licensed agent. The disclosure belongs on the outreach itself — mailers, texts, emails, voicemails — and is not required inside the purchase contract. Leave it off and the seller gets a two-day right to cancel, and the Attorney General can treat the omission as a deceptive act.
What it did not do: it did not require a license, and it did not restrict assigning a contract or doing a double close. Those remain fully available.
This is a plain-English summary, not legal advice — confirm your own situation with an Indiana attorney.
Where a double close still fits
Because Indiana leaves wholesaling intact, a double close here usually isn't about the law — it's about the deal. Your end buyer's lender may require the seller (you) to hold title before reselling; you may not want your spread visible on a settlement statement both sides can see; or the transaction simply works better as two closings. In those cases you actually buy the home from the seller, take title, then sell to your end buyer, often the same day.
Where transactional funding fits
We fund the purchase for the short window between the two closings, repaid out of your buyer's proceeds, so your own capital stays free. You bring a real end buyer and a closing agent; we bring the money for the hours in between.
Budget for it honestly. A double close means a second set of closing costs — commonly around 3% — plus the funding fee. When an assignment (with Indiana's marketing disclosure) would work just as well, that's often the cheaper path. Run the numbers first.
Need the funds to close?
Tell us the deal — type of funding, amount, and closing date. We answer quickly, and we tell you straight if it isn't a fit.
Request Funding →