Transactional funding is built on one assumption: the repayment money is deliverable in the same closing session. Take that away and the product doesn't apply. A C buyer whose lender restricts recent transfers or won't fund without a seasoning period isn't a same-day repayment source, so the wholesaler's choices are a bridge or short-term hard money loan that carries the property for weeks or months and gets priced like one, or an assignment instead of a double close where assignment is still permitted in that state, or a different end buyer. What can't happen is stretching an hours-long flat-fee product across a 30 day mortgage timeline.
Which is why in practice this method leans on cash buyers and on hard money lenders whose own guidelines don't care about chain of title yesterday. Seasoning and closing-instruction language are set lender by lender and change, so the wholesaler should have the C lender's policy confirmed in writing before the A-B contract is signed, not after.
The thing that bites funders even with a cash C buyer: proof of funds is not funds. A bank letter, a screenshot, a statement dated last month, none of that repays anyone. The control is confirmation from the escrow officer that C's money is in the account and disbursable, obtained before the A-B advance goes out. Funders who skip that step are making an unsecured bet on a stranger's wire, and they find out on the one file where the buyer's money was actually still tied up in another closing across town.
