Cash Flow Deals vs. a Local Cash Investor in Florida

Published by Cash Flow Deals · Last updated 2026-08-03 · Reviewed by Camilo Palacio, Licensed Florida Real Estate Professional (License #3280644, REALTOR®), affiliated with Silver Door Realty, LLC (License #CQ1064903) · 4 min read

Cash Flow Deals gives you two offers, and you choose: the Fast Cash Offer, where we buy your house as-is and close, and the Premium Cash Offer, where a pre-approved FHA or conventional buyer we already have, ready to go, pays more and buys directly from you. A local investor buys your house to resell it for a profit, so the opening number typically leaves room for that margin at 60% to 80% of after-repair value. With either offer, the number is agreed before any work starts, and it changes only if you agree. The one exception: if something structural surfaces that was not visible or disclosed before we signed — foundation issues, hidden moisture, old wiring, cast-iron drain failure — we re-cost it and bring the number back to you. You decide. You can walk away. We disclose what we know at offer time so this almost never happens. We cover repair costs, and we figure out a way, so nothing comes out of your pocket. On Premium, only what your buyer's lender requires gets fixed, with costs settled from the sale proceeds from our share; on Fast Cash, you sell as-is. If your Premium buyer's loan falls through, that is our problem, not yours, and you can still take the Fast Cash Offer at its own number.

Factor	Traditional Listing	Cash Flow Deals
Timeline	Full listing process: prep, showings, negotiation, then the buyer's mortgage financing timeline	You choose the Fast Cash Offer, where we buy your house as-is and close without listing your home, or the Premium Cash Offer, where a pre-approved FHA or conventional buyer we already have, ready to go, pays more and buys directly from you. With the Premium Cash Offer, your home may be listed through Silver Door Realty, a licensed Florida brokerage, with a licensed agent and scheduled showings; closing depends on your buyer's lender. With either offer, the number is agreed before any work starts, and it changes only if you agree. The one exception: if something structural surfaces that was not visible or disclosed before we signed — foundation issues, hidden moisture, old wiring, cast-iron drain failure — we re-cost it and bring the number back to you. You decide. You can walk away. We disclose what we know at offer time so this almost never happens. We cover repair costs, and we figure out a way, so nothing comes out of your pocket. On Premium, only what your buyer's lender requires gets fixed, with costs settled from the sale proceeds from our share; Fast Cash is bought as-is. If your Premium buyer's loan falls through, that is our problem, not yours, and you can still take the Fast Cash Offer at its own number.
Repairs	Repairs negotiated with the buyer during inspection, sometimes renegotiated again close to closing	You choose the Fast Cash Offer, where we buy your house as-is and close, or the Premium Cash Offer, where a pre-approved FHA or conventional buyer we already have, ready to go, pays more and buys directly from you. With Premium, only what your buyer's lender requires gets fixed. We cover repair costs, and we figure out a way, so nothing comes out of your pocket; Premium repair costs are settled from the sale proceeds from our share. With either offer, the number is agreed before any work starts, and it changes only if you agree. The one exception: if something structural surfaces that was not visible or disclosed before we signed — foundation issues, hidden moisture, old wiring, cast-iron drain failure — we re-cost it and bring the number back to you. You decide. You can walk away. We disclose what we know at offer time so this almost never happens. If your Premium buyer's loan falls through, that is our problem, not yours, and you can still take the Fast Cash Offer at its own number.
Fees / Costs	Real estate commission, negotiable since the NAR Sitzer/Burnett settlement took effect August 17, 2024, plus standard closing costs	Fast Cash Offer: no listing commission to Cash Flow Deals. Premium Cash Offer: paid as a separate line item on the closing statement

How a Local Cash Investor Actually Prices Your House

A local cash investor is buying to resell for a profit, so the opening number has to leave room for that margin. A Clever Real Estate survey of more than 700 real estate investors found typical offers land between 60% and 80% of after-repair value, with a median offer of 67.5%. Many investors use a version of the '70% rule': take the after-repair value, multiply by 70%, then subtract estimated repair costs, to land on a maximum offer. The investor isn't pricing your house off what it's worth today. They're pricing it off what they can resell it for later, minus everything they need to make that resale profitable.

Why the Number Sometimes Moves After You Sign With an Investor

A common pattern with local cash investors: the first number gets agreed to, and then it moves during or after the inspection period, sometimes more than once, as the investor finds reasons to protect their resale margin. Every price change resets the seller's expectations and stretches the timeline. It's not illegal, contracts typically allow for inspection-based adjustments, but it's a known friction point sellers report with local cash investors specifically. Ask any investor directly, in writing, whether their number is final or subject to change after inspection, before you sign anything.

Cash Flow Deals' Process When You're Comparing a Local Investor's Number

Cash Flow Deals' process starts with your choice. Step 1: We walk your house and show you the Fast Cash Offer, where we buy your house as-is and close, alongside the Premium Cash Offer, where a pre-approved FHA or conventional buyer we already have, ready to go, pays more and buys directly from you. You choose. Step 2: If you choose Premium, you sign with us at an agreed number and give us permission to bring in a buyer in our place. Your home may be listed through Silver Door Realty, a licensed Florida brokerage, with a licensed agent and scheduled showings. Step 3: With either offer, the number is agreed before any work starts, and it changes only if you agree. The one exception: if something structural surfaces that was not visible or disclosed before we signed — foundation issues, hidden moisture, old wiring, cast-iron drain failure — we re-cost it and bring the number back to you. You decide. You can walk away. We disclose what we know at offer time so this almost never happens. We cover repair costs, and we figure out a way, so nothing comes out of your pocket. Only what your Premium buyer's lender requires gets fixed, with costs settled from the sale proceeds from our share; Fast Cash is bought as-is. Step 4: On Premium, your buyer signs a new contract directly with you, title transfers once from you to that buyer, and their lender funds the purchase. If your buyer's loan falls through, that is our problem, not yours, and you can still take the Fast Cash Offer at its own number.

What Cash Flow Deals' Number Is Actually Built On

Cash Flow Deals gives you a choice in Florida: the Fast Cash Offer, where we buy your house as-is and close, or the Premium Cash Offer, where a pre-approved FHA or conventional buyer we already have, ready to go, pays more and buys directly from you. You choose. On Premium, your home may be listed through Silver Door Realty, a licensed Florida brokerage, with a licensed agent and scheduled showings. Your buyer signs directly with you, their lender funds the purchase, and we are paid as a separate line item on the closing statement. We cover repair costs, and we figure out a way, so nothing comes out of your pocket. Only what your buyer's lender requires gets fixed on Premium, with costs settled from the sale proceeds from our share; Fast Cash is bought as-is. With either offer, the number is agreed before any work starts, and it changes only if you agree. The one exception: if something structural surfaces that was not visible or disclosed before we signed — foundation issues, hidden moisture, old wiring, cast-iron drain failure — we re-cost it and bring the number back to you. You decide. You can walk away. We disclose what we know at offer time so this almost never happens. If your Premium buyer's loan falls through, that is our problem, not yours, and you can still take the Fast Cash Offer at its own number.

Does Cash Flow Deals Re-Trade the Price Like Some Investors Do

The one exception: if something structural surfaces that was not visible or disclosed before we signed — foundation issues, hidden moisture, old wiring, cast-iron drain failure — we re-cost it and bring the number back to you. You decide. You can walk away. We disclose what we know at offer time so this almost never happens.

Common questions

Why do local investors pay so much less than market value?

They're buying to resell for a profit. A Clever Real Estate survey of more than 700 investors found typical offers run 60% to 80% of after-repair value, with a median offer of 67.5%, because the margin has to be built in up front.

Will a local investor lower their number after inspection?

It's a common pattern reported with local cash investors. Ask any investor in writing whether the number is final before you sign.

Is Cash Flow Deals a cash buyer?

No. Cash Flow Deals doesn't purchase your house with its own money. It connects your house to a real FHA or conventional buyer whose own lender funds the purchase.

How is Cash Flow Deals' number different from an investor's number?

An investor's number allows room for a resale profit. Cash Flow Deals lets you compare the Fast Cash Offer, where we buy your house as-is and close, with the Premium Cash Offer, where a pre-approved FHA or conventional buyer we already have, ready to go, pays more and buys directly from you. You choose. With either offer, the number is agreed before any work starts, and it changes only if you agree. The one exception: if something structural surfaces that was not visible or disclosed before we signed — foundation issues, hidden moisture, old wiring, cast-iron drain failure — we re-cost it and bring the number back to you. You decide. You can walk away. We disclose what we know at offer time so this almost never happens. We cover repair costs, and we figure out a way, so nothing comes out of your pocket. On Premium, only what your buyer's lender requires gets fixed, with costs settled from the sale proceeds from our share; Fast Cash is bought as-is. If your Premium buyer's loan falls through, that is our problem, not yours, and you can still take the Fast Cash Offer at its own number.

Does Cash Flow Deals take title to my house?

No. Title transfers once, directly from the seller to the real buyer. Cash Flow Deals never holds title.