Do You Pay Realtor Fees When Selling to a Cash Buyer in Florida?

Why there is no realtor commission on a direct sale

When you list a home on the MLS, a listing agent markets it and a buyer's agent may bring the buyer. Commissions are paid according to the agreements for that sale and can affect your proceeds. With Cash Flow Deals, you compare two choices: the Fast Cash Offer, where we buy your house as-is and close without a listing, 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. With Premium, your home may be listed through Silver Door Realty, a licensed Florida brokerage, with a licensed agent and scheduled showings. Any commissions, closing costs and required repairs are settled from the sale proceeds out of our share, not your agreed number. CFD is paid separately on the closing statement. Compare what you would actually receive from each offer so you can decide which fits your needs.

How Cash Flow Deals gets paid instead

Cash Flow Deals is free for sellers. We don't charge you a commission, and we don't take a percentage of your sale price. Instead, CFD gets paid as its own separate line item on the closing statement, handled at the closing table, not deducted as an agent fee against your side of the deal. Because it's its own line, you see exactly what it is and what it's for. Nothing is hidden inside a commission percentage. The buyer is bank-financed and real, the price you agree to is the price that holds, and the CFD line is spelled out in writing before you ever sign. You're never asked to write a check up front.

Your number is agreed before work starts

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. 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. With 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. With Fast Cash, you sell as-is with no repairs for you to make.

One title transfer through Title Guaranty of South Florida

Cash Flow Deals closes through a single title transfer handled by Title Guaranty of South Florida. One transfer means one clean closing: the title company verifies ownership, clears the title, and records the deed. You're not bounced through a chain of intermediate buyers. Working with one established South Florida title company keeps the closing statement readable and keeps every dollar accounted for, including the separate CFD line. When you read the closing statement and see there's no commission line, the no-realtor-fees answer stops being a promise. It becomes something you can verify on paper before you sign.

What this means for your bottom line

The number that matters is what you walk away with, not the sticker price. On an MLS sale, commissions, repairs and buyer concessions can affect your proceeds. A cash-investor offer may have no listing commission but a lower purchase price. 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. Nothing comes out of your pocket. With Premium, commissions, closing costs and required repairs are settled from the sale proceeds out of our share, not your agreed number. The CFD payment appears openly as a separate line at closing. Call 786-891-9111 to compare what you would receive, and review the written terms before you commit.

Why Florida Broker Compensation Rules Changed

Florida follows the 2024 NAR settlement rules, which changed how buyer-agent compensation works across every MLS-listed transaction nationally. Before the settlement, sellers on an MLS listing routinely paid both the listing agent and the buyer agent from their proceeds. Under the new structure, buyer-agent compensation gets set through a written buyer-broker agreement between the buyer and their agent. Sellers are no longer required by MLS rules to offer buyer-agent compensation in the listing.

None of this applies on a direct sale to a cash buyer or through the CFD path. There's no MLS listing, no listing agent, no buyer agent. CFD is paid as a separate line on the closing statement: visible, fixed, and not a percentage that floats with the sale price.

The Closing Statement Line by Line: How to Confirm No Realtor Fee Appears

The settlement statement shows, in writing, what every dollar is for. On a standard Florida MLS sale, listing-agent and buyer-agent commissions may appear as separate seller-side line items and reduce your net proceeds.

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. With Premium, your home may be listed through Silver Door Realty, a licensed Florida brokerage, with a licensed agent and scheduled showings. You authorize us to bring a buyer in our place; that buyer signs a new contract directly with you, title transfers directly to them, and their lender funds the purchase.

On a Cash Flow Deals transaction closing through Title Guaranty of South Florida, review every cost and the separately labeled CFD payment. Costs can include the documentary stamp tax on the deed under F.S. § 201.02 at $0.70 per $100 of consideration, the prorated property tax credit, the mortgage payoff if one exists, and recording fees. Anything owed is paid first from the sale proceeds, then you receive your agreed number, and Cash Flow Deals is paid last from what remains. With Premium, commissions, closing costs and required repairs come from our share, not your agreed number. Nothing comes out of your pocket.

Cash Flow Deals' Closing Statement Verification Process:

1. Request your Fast Cash Offer and Premium Cash Offer from Cash Flow Deals. Your offers arrive within 24 hours so you can compare the as-is purchase with the higher amount from a real buyer and choose what works for you.

2. Review the written agreement before you sign. 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. With 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. With Fast Cash, we buy as-is. Review the separately disclosed CFD payment as well.

3. Close through Title Guaranty of South Florida on a single title transfer and read the closing statement yourself to confirm the costs, your proceeds and the separate CFD payment. 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.