Cash Flow Deals vs. a Traditional Realtor Listing: Side-by-Side Net Proceeds

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®)

A traditional listing and Cash Flow Deals both put money in your pocket, on different terms. A traditional listing means a negotiable commission, fully negotiable since the 2024 NAR Sitzer/Burnett settlement, effective August 17, 2024, and Florida's median 44-day path from listing to contract. With us, 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.

Factor	Traditional Listing	Cash Flow Deals
Timeline	Median 44 days from listing to contract for Florida single-family homes as of April 2026, then more time for the buyer's financing to close.	You compare the Fast Cash Offer, where we buy as-is and close, with the Premium Cash Offer, where your pre-approved buyer buys directly from you. Premium closing follows the buyer's loan timeline. If that loan falls through, that is our problem, not yours; you can still choose Fast Cash at its own number.
Repairs	Seller pays for prep, staging, and any repairs a buyer's inspector or appraiser flags, often renegotiated mid-contract.	Your 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.
Fees / Costs	Commission is negotiable since the 2024 NAR Sitzer/Burnett settlement, paid to the listing agent, with buyer-agent pay negotiated separately, off the MLS.	Paid as one line item on the closing statement through Cash Flow Deals' licensed FL brokerage partner, not a markup on price.

What a Traditional Listing Actually Costs a Seller

A traditional listing puts a seller's commission on the negotiating table with their own agent, and separately, a buyer's agent now negotiates their own pay directly with the buyer rather than off a set MLS offer. Beyond commission, the seller still covers prep, staging, and any repairs an inspector or appraiser flags, and Florida's own data shows single-family homes spent a median of 44 days just getting from listing to contract in April 2026, with the closing itself taking additional weeks once the buyer's loan clears underwriting. If that financing falls through, the seller can be back at square one.

Your Cash Flow Deals Process: Compare Both Offers Before You Choose

Start with a walkthrough with Cash Flow Deals, then compare your Fast Cash Offer and Premium Cash Offer. 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. 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. 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; we arrange coverage of those costs and settle them from our share of the sale proceeds. With Fast Cash, you have no repairs to make. On Premium, you sign with us 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. The buyer signs a new contract directly with you, their lender funds the purchase, and title transfers once, directly from you to them.

Why the NAR Settlement Changed the Commission Conversation

Cash Flow Deals is a Florida real estate investor offering you two choices: 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. You choose. On Premium, your home may be listed through our licensed Florida brokerage partner, Silver Door Realty, with a licensed agent and scheduled showings. Cash Flow Deals is not itself a brokerage, and our compensation appears as a separate line item on the closing statement. The 2024 NAR Sitzer/Burnett settlement, effective August 17, 2024, changed how a traditional listing's commission gets set: you are no longer automatically on the hook for both your own agent's pay and the buyer's agent's pay through one blanket MLS offer, buyer-agent compensation is now negotiated directly between buyer and agent, and buyers must sign a written agreement with their agent before touring homes. None of that is fixed by law at any specific percentage; it is negotiated case by case.

Your Agreed Number and the Structural Exception

With Cash Flow Deals, 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. You choose between the Fast Cash Offer and the Premium Cash Offer.

Comparing the Actual Net, Not Just the Sale Price

A higher list price is not the same thing as a higher net. A traditional listing's final number gets reduced by commission, prep and repair costs, buyer concessions, and holding costs across however many of those 44-plus days it actually takes to reach a closed sale. Cash Flow Deals' net number is set before any of those variables get introduced, so the seller is comparing a known figure against an estimate that can still move in either direction.

Common questions

Are real estate commissions still fixed at a set percentage in Florida?

No. Since the 2024 NAR Sitzer/Burnett settlement took effect on August 17, 2024, commissions are negotiable, and buyer-agent compensation is no longer offered as a blanket rate on the MLS. Every commission is negotiated case by case.

Do I still need a buyer's agent to sell traditionally?

You need your own listing agent to manage a traditional sale, but the buyer now negotiates their own agent's pay directly with that agent, separate from what the seller pays.

What happens if my buyer's financing falls through on a traditional listing?

The contract typically terminates under the financing contingency, the buyer's deposit is usually returned, and the seller goes back to the market, restarting the median 44-day path to a new contract.

Does Cash Flow Deals use a licensed agent too?

Yes. Cash Flow Deals works with its licensed FL brokerage partner, Silver Door Realty, rather than operating as a brokerage on its own.