Cash Flow Deals vs. a Local Cash Investor in Florida
2 min read · Last updated 2026-08-03 · Reviewed by Camilo Palacio, Licensed Florida Real Estate Professional (License #3280644, REALTOR®)
Cash Flow Deals is a different option than a local cash investor, and the math proves it. A local investor buys your house to resell it for a profit, so the opening number is built to leave room for that margin, typically 60% to 80% of after-repair value. Cash Flow Deals doesn't buy or resell your house. It locks your net price with a real end buyer's mortgage before repairs are even scoped.
| Factor | Traditional Listing | Cash Flow Deals |
|---|---|---|
| Timeline | Full listing process: prep, showings, negotiation, then the buyer's mortgage financing timeline | Net price locked upfront, no showings, closing timed to the buyer's own lender |
| Repairs | Repairs negotiated with the buyer during inspection, sometimes renegotiated again close to closing | Repairs are scoped after the net price is already locked, not used to renegotiate the number |
| Fees / Costs | Real estate commission, negotiable since the NAR Sitzer/Burnett settlement took effect August 17, 2024, plus standard closing costs | One flat fee through Silver Door Realty, itemized 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: 1. Cash Flow Deals walks the house and gives you a net-price number tied to a real buyer's mortgage, not an investor's resale math. 2. Your house gets matched to a real FHA or conventional buyer already qualified with their own lender. 3. The net price locks before repairs get scoped, so it isn't built around a resale margin that needs protecting later. 4. Title transfers once, directly from you to that buyer, arranged through Silver Door Realty.
What Cash Flow Deals' Number Is Actually Built On
Cash Flow Deals is a Florida real estate investor that locks in a net price for a seller's house before repairs are scoped, using a novation-based, flat-fee process arranged through its licensed FL brokerage partner, Silver Door Realty — not a traditional listing, and not a brokerage itself. The number isn't backed into from an after-repair resale target. It's built around a real buyer's loan and a flat fee that shows up as a line item on the closing statement, not a markup baked into a below-market starting offer.
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 is backed into from a resale target. Cash Flow Deals' number is built around a real buyer's loan and locks before repairs get scoped.
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.