Cash Flow Deals vs. Selling FSBO in Florida: What You Give Up and Gain

4 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®)

Selling FSBO means acting as your own listing agent for a shot at keeping the commission. 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. Premium may include a listing through Silver Door Realty, a licensed Florida brokerage, with a licensed agent and scheduled showings.

Factor	Traditional Listing	Cash Flow Deals
Timeline	Homes typically spend weeks on the market before going under contract, then several more weeks to close once a lender underwrites the loan.	You choose the Fast Cash Offer, where we buy 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. Premium closing follows the buyer's lender requirements and may include a listing with scheduled showings.
Repairs	Seller negotiates repair credits alone after inspection, often losing negotiating power once a buyer has already found problems.	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 is bought as-is. With Premium, only lender-required repairs get fixed; we cover repair costs, and we figure out a way, so nothing comes out of your pocket. Repair costs are settled from the sale proceeds, from our share.
Fees / Costs	A buyer's agent fee is now negotiable since August 17, 2024, and FSBO sellers still face title and closing costs without agent support.	Fast Cash Offer: no listing commission to Cash Flow Deals. Premium Cash Offer: paid as a separate line item on the closing statement.

What Selling FSBO in Florida Actually Involves

FSBO stands for for sale by owner. The seller handles marketing, showings, buyer negotiations, disclosures, and paperwork without a listing agent. In exchange, the seller keeps the commission a listing agent would have charged. That trade sounds simple until a seller sits across from a buyer's agent alone, without a professional negotiating on their side of the table. Florida sellers going FSBO still have to comply with the same disclosure rules and contract deadlines as an agent-assisted sale, they just handle every step themselves.

Cash Flow Deals' Process

Cash Flow Deals' process runs in four steps. 1. Request your walkthrough so we can assess your house and explain both offers. 2. Compare your Fast Cash Offer, where we buy as-is and close, with your 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. 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. 3. With Premium, Cash Flow Deals coordinates only the repairs the buyer's lender requires. We cover repair costs, and we figure out a way, so nothing comes out of your pocket; the work is settled from the sale proceeds, from our share. With Fast Cash, you make no repairs. Your Premium home may be listed through Silver Door Realty, a licensed Florida brokerage, with a licensed agent and scheduled showings. 4. Close on your chosen offer. With Premium, the buyer signs a new contract directly with you, their lender funds the purchase, and title transfers once, directly from you to the buyer. Cash Flow Deals is paid as a separate line item on the closing statement.

The Real Numbers Behind FSBO Sales

According to the National Association of Realtors' 2025 Profile of Home Buyers and Sellers, only 5% of home sales were FSBO transactions, the lowest share on record. FSBO homes sold for a median of $360,000, while agent-assisted homes sold for a median of $425,000. Sixty-four percent of FSBO sellers said they did not get the price they wanted. Ninety-one percent of sellers ended up using an agent or broker. Those figures give you context for comparing what you might net from FSBO with your Fast Cash Offer and Premium Cash Offer. Compare the proceeds after costs, who buys your house, and what each path requires before you choose.

How Your Number and Repairs Work With Either Offer

With Cash Flow Deals, you choose your Fast Cash Offer, where we buy your house as-is and close, or your Premium Cash Offer, where a pre-approved FHA or conventional buyer we already have, ready to go, pays more and buys directly from you. 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. With Premium, only what the buyer's lender requires gets fixed. We cover repair costs, and we figure out a way, so nothing comes out of your pocket. Those costs are settled from the sale proceeds, from our share rather than your agreed number, subject to the structural exception just described. With Fast Cash, we buy as-is and you make no repairs. Your Premium home may be listed through Silver Door Realty, our licensed FL brokerage partner, with a licensed agent and scheduled showings. Cash Flow Deals is a Florida real estate investor, not a brokerage itself. If the buyer's loan falls through, that is our problem, not yours, and you can still take the Fast Cash Offer at its own number instead of the Premium Cash Offer.

Who FSBO Actually Fits, and Who It Doesn't

FSBO can work for a seller who already knows the buyer, has real estate or contract experience, and owns a house that needs no repairs. It gets harder fast for a seller who needs a certain number, wants no showings, or does not want to negotiate against a buyer's agent alone. Cash Flow Deals fits that second seller: the price is set before the house goes anywhere near a buyer's inspection.

Common questions

Can I sell FSBO and still get a fair price in Florida?

Some sellers do, especially when they already know the buyer or the local market well. NAR's 2025 data shows most don't: FSBO homes sold for a median of $360,000 against $425,000 for agent-assisted homes, and 64% of FSBO sellers said they missed their target price.

Does Cash Flow Deals charge a commission the way an agent does?

No. Cash Flow Deals is not a brokerage and does not charge a commission on price. Its licensed FL brokerage partner is Silver Door Realty. On the Premium Cash Offer, Cash Flow Deals is paid as a separate line item on the closing statement, not a markup baked into the offer. On the Fast Cash Offer, there is no listing commission to Cash Flow Deals.

What happens if repairs come up after I 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.

Is FSBO or Cash Flow Deals faster in Florida?

FSBO timing depends on your marketing and negotiating, plus the standard weeks a financed buyer's lender needs to underwrite the loan. With Cash Flow Deals, you choose between the Fast Cash Offer, where we buy 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. Premium closing depends on that buyer's lender, and the process may include a listing through Silver Door Realty, a licensed Florida brokerage, with a licensed agent and scheduled showings. If the buyer's loan falls through, that is our problem, not yours, and you can still choose Fast Cash at its own number.

Do I need a real estate attorney to sell FSBO in Florida?

Florida does not require a seller to use an attorney for a standard residential sale, but a FSBO seller is handling contract deadlines and disclosures without an agent's guidance. Confirm your specific contract and disclosure obligations with a licensed FL real estate attorney before signing anything.