Does a Home Inspection Still Happen If You Skip Repairs in Florida?
2 min read · Last updated 2026-08-03 · Reviewed by Camilo Palacio, Licensed Florida Real Estate Professional (License #3280644, REALTOR®)
Yes. An inspection still happens whether you fix a thing or not. Cash Flow Deals is one option that still sends an inspector, because the buyer's FHA or conventional lender requires it before funding. Skipping repairs doesn't skip the inspection. It changes what happens after: with Cash Flow Deals your net price stays locked, repairs get scoped separately, and you never touch a paint can.
| Factor | Traditional Listing | Cash Flow Deals |
|---|---|---|
| Timeline | Inspection happens after listing. Repairs demanded during the FAR/BAR inspection period can restart price talks and add one to two weeks. | Inspection still happens for the buyer's lender. It runs next to a price that is already locked, not a new negotiation. |
| Repairs | Buyer's inspection findings can reopen the price. Seller often repairs items or offers a credit to keep the contract alive. | Net price locked before repairs are scoped. Repairs get handled separately from the number you were promised. |
| Fees / Costs | Realtor commission is negotiable and no longer posted on the MLS since the NAR Sitzer/Burnett settlement took effect August 17, 2024. Repair credits from inspection add to seller cost. | Flat fee paid at closing as a line item, arranged through Cash Flow Deals' licensed brokerage partner Silver Door Realty. No pre-closing repair cost. |
Why the Inspection Still Happens, Even If You Skip Repairs
Skipping repairs does not skip the inspection. Every FHA or conventional loan requires the buyer's lender to order an appraisal before funding, and that appraisal checks more than value. Cash Flow Deals connects a seller's house with a real FHA or conventional buyer, and that buyer's lender still requires the same appraisal and inspection process any other buyer would need. The house gets looked at either way. What changes is who eats the cost of what the inspector finds, and when the seller finds out about it.
What FHA and Conventional Lenders Actually Check
HUD requires FHA appraisers to confirm a property meets what the industry calls the Three S's: safety, soundness, and security, per HUD Handbook 4000.1. An FHA appraisal costs $300 to $600 and stays valid for 180 days, and it exists to verify the home meets those minimum standards, not just to set a value. A private home inspection is a separate, optional step most buyers still order on top of the lender's appraisal, and the national average cost for one lands between $340 and $420 for a standard single-family home, according to aggregated ASHI and InterNACHI inspector data. Skipping cosmetic repairs does not remove either of these steps. Both still happen.
Cash Flow Deals' Process When You Skip Repairs
1. Request your net-price walkthrough with Cash Flow Deals, so the number gets locked before anyone touches a hammer. 2. Cash Flow Deals matches the house with a real FHA or conventional buyer whose own lender funds the purchase. 3. That buyer's lender orders its required appraisal and inspection, the same step it would order on any home. 4. Cash Flow Deals reviews what the inspection finds and handles it against the locked number, not against the seller's wallet.
What Can Change the Locked Number
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. Under Florida's standard FAR/BAR AS-IS contract, the inspection period is negotiated per contract and commonly runs 10 to 15 calendar days, giving the buyer sole discretion to cancel and get the deposit back within that window. A seller is not obligated to make repairs under that contract language. Cash Flow Deals works inside that same standard, just with the price already locked going in.
What Cash Flow Deals Actually Is
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. Title transfers once, directly from seller to buyer, through that novation. Cash Flow Deals gets paid as a separate line item on the closing statement, never as a markup baked into the price.
Common questions
If I skip repairs, will the sale fall apart after inspection?
It can, with a traditional buyer, if the inspection turns up something big enough for the buyer to walk under the FAR/BAR AS-IS contract's inspection-period cancellation right. With Cash Flow Deals, the net price is already locked before the walkthrough, so an inspection finding gets priced and handled, not used to blow up the deal.
Does Florida law require a home inspection before selling?
No. A Florida homeowner is not legally required to schedule a home inspection before selling. What drives an inspection is the buyer's financing: FHA and conventional lenders require an appraisal, and most buyers separately order their own private inspection before closing.
What's the difference between the lender's appraisal and a buyer's private inspection?
The appraisal is ordered by the lender to confirm value and to verify the home meets HUD's minimum property standards for safety, soundness, and security on FHA loans. A private inspection is a more detailed, optional walkthrough the buyer pays for separately, and it is what usually turns up cosmetic and mechanical issues the appraisal does not dig into.
Can I sell as-is and still avoid a surprise repair bill?
Yes, that is the point of a locked net price. Cash Flow Deals scopes the number before repairs happen, so an inspection finding gets handled against that number instead of pulled out of the seller's pocket at the closing table.
Will skipping repairs lower what I net at closing?
Not with a locked net price. Traditional buyers often use inspection findings to negotiate a lower price or demand a credit. Cash Flow Deals sets the net number first, before the walkthrough happens, so skipped repairs do not turn into a smaller check.