Cash Flow Deals vs. Offerpad: What Actually Changes for the Seller

3 min read · Last updated 2026-08-03 · Reviewed by Joseph Mena, CFO of Cash Flow Deals. · Reviewed by Camilo Palacio, Licensed Florida Real Estate Professional (License #3280644, REALTOR®)

Cash Flow Deals and Offerpad give you different ways to sell. Offerpad buys your house directly at a discount off fair market value and charges a 5% service fee. With Cash Flow Deals, you choose between 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. On Premium, we're paid as a separate line item on the closing statement.

Factor	Traditional Listing	Cash Flow Deals
Timeline	List, host showings, wait for an offer, then wait through the buyer's mortgage underwriting and appraisal before you get a closing date	You choose the Fast Cash Offer, where we buy as-is and close with no listing, or the Premium Cash Offer, where a pre-approved FHA or conventional buyer we already have buys directly from you, with scheduled showings and closing dependent on their lender clearing underwriting.
Repairs	Seller typically pays for or negotiates repairs during the buyer's inspection period, often after the price is already agreed	With your Fast Cash Offer and Premium Cash 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. Fast Cash is as-is; on Premium, only the buyer's lender-required repairs get fixed, with costs settled from the sale proceeds out of our share and nothing out of your pocket.
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

What Offerpad Actually Does

Offerpad is an iBuyer. It buys your house directly with its own cash, no buyer financing involved, and closes on a schedule you pick. In exchange, Offerpad charges a 5% service fee on your sale price. An analysis of Offerpad's own purchase and resale data found a median gap of about 10% between what Offerpad paid a seller and what it later resold the house for, which is the room built into the offer to cover that fee plus its margin. On a $400,000 house, that gap alone has run about $40,000.

What Cash Flow Deals Does Instead

With Cash Flow Deals, a Florida real estate investor, you choose between the Fast Cash Offer and the Premium Cash Offer. With Fast Cash, we buy your house as-is and close, with no repairs for you to make. With Premium, a pre-approved FHA or conventional buyer we already have, ready to go, pays more and buys directly from you. Your home may be listed through Silver Door Realty, a licensed Florida brokerage, with a licensed agent and scheduled showings. We cover repair costs, and we figure out a way, so nothing comes out of your pocket. On Premium, only what the buyer's lender requires gets fixed, with costs covered up front and settled from the sale proceeds out of our share. We're paid as a separate line item on the closing statement.

Cash Flow Deals' Process When You're Comparing Offers

Cash Flow Deals' Process: 1. Cash Flow Deals walks your house and presents the Fast Cash Offer and the Premium Cash Offer together so you can compare and choose. 2. With Fast Cash, we buy your house as-is and close; with Premium, a pre-approved FHA or conventional buyer we already have, ready to go, pays more and buys directly from you. 3. 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. 4. On Premium, your buyer signs a new contract directly with you, their lender funds the purchase, and title transfers once, directly from you to that buyer.

Where the Two Numbers Actually Diverge

Run the math on a $400,000 house. Offerpad's service fee alone is $20,000 at 5%. Add the roughly 10% gap analysts have found between Offerpad's purchase price and its resale price, and your number can land closer to $360,000 before repair deductions even enter the picture. With Cash Flow Deals, you compare your Fast Cash Offer and Premium Cash Offer side by side and choose. 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. On Premium, we're paid as a separate line item on the closing statement, with repair costs and other sale costs coming from our share, not your agreed number, subject to that same structural exception.

Does the Price Change After You Sign With Cash Flow Deals

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

Does Offerpad's purchase price match fair market value?

Not usually. Analysis of Offerpad's own purchase and resale data found a median gap of about 10% between what it paid sellers and what it resold houses for, on top of its 5% service fee.

What is Offerpad's service fee?

5% of the home's sale price, charged in addition to standard closing costs and any repair deductions.

Is Cash Flow Deals an iBuyer?

No. An iBuyer purchases your house with its own money and resells it. Cash Flow Deals never takes title. It connects your house to a real end buyer whose own lender funds the purchase.

Who actually buys my house if I go with Cash Flow Deals?

A real homebuyer using their own FHA or conventional mortgage. Title transfers once, directly from you to that buyer.

Does Cash Flow Deals ever lower the price after inspection?

For your Fast Cash Offer and Premium Cash 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. Fast Cash means we buy your house as-is and close. Premium means a pre-approved FHA or conventional buyer we already have, ready to go, pays more and buys directly from you. If the buyer's loan falls through, that is our problem, not yours, and you can still choose the Fast Cash Offer at its own number instead of the Premium Cash Offer.