Does a Home Inspection Still Happen If You Skip Repairs in Florida?

Published by Cash Flow Deals · Last updated 2026-08-03 · Reviewed by Camilo Palacio, Licensed Florida Real Estate Professional (License #3280644, REALTOR®), affiliated with Silver Door Realty, LLC (License #CQ1064903) · 4 min read

Yes. Skipping repairs does not skip the buyer's lender's required checks. 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, the buyer's lender still requires its appraisal and inspection process. With Cash Flow Deals, we cover repair costs, and we figure out a way, so nothing comes out of your pocket. Only what the Premium buyer's lender requires gets fixed, settled from the sale proceeds; on Fast Cash, you make no repairs. 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.

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.	On the Premium Cash Offer, the buyer's lender still requires its appraisal and inspection process; on the Fast Cash Offer, we buy as-is. You choose between the offers. On Premium, only what the buyer's lender requires gets fixed, with repair costs settled from the sale proceeds and nothing out of your pocket.
Repairs	Buyer's inspection findings can reopen the price. Seller often repairs items or offers a credit to keep the contract alive.	For your chosen Fast Cash Offer or 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. On Premium, required repair costs are settled from the sale proceeds, from our share rather than your number; on Fast Cash, we buy as-is.
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.	Cash Flow Deals is paid as a separate line item on the closing statement. No pre-closing repair cost.

Why the Inspection Still Happens, Even If You Skip Repairs

Skipping repairs does not skip the lender's checks. Every FHA or conventional loan requires the buyer's lender to order an appraisal before funding, and that appraisal checks more than value. 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, that buyer's lender still requires its appraisal and inspection process. We cover repair costs, and we figure out a way, so nothing comes out of your pocket. Only what the buyer's lender requires gets fixed, with costs settled from the sale proceeds. On Fast Cash, you make no repairs.

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

Start with your written offers from Cash Flow Deals and compare the Fast Cash Offer with the Premium Cash Offer. You choose: we buy your house as-is and close, or 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. If you choose Premium, Cash Flow Deals brings that real buyer, whose own lender funds the purchase and orders its required appraisal and inspection. Cash Flow Deals reviews the findings with you. We cover repair costs, and we figure out a way, so nothing comes out of your pocket. Only what the buyer's lender requires gets fixed, with costs settled from the sale proceeds.

When You Decide Whether the Number Changes

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. That could involve foundation issues or hidden moisture; old wiring or cast-iron drain failure would need assessment to establish whether the issue is structural. We disclose what we know at offer time. 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. You are not obligated to make repairs under that contract language. With Cash Flow Deals, your written contract sets out the terms of your chosen Fast Cash Offer or Premium Cash Offer, including the inspection period and any cancellation rights.

What Cash Flow Deals Actually Is

Cash Flow Deals is a Florida real estate investor that gives 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, you sign with us at an agreed number 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 that buyer. Cash Flow Deals is paid as a separate line item on the closing statement. 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 continuing with the Premium Cash Offer.

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, you compare the Fast Cash Offer and the Premium Cash Offer and choose which fits 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. Your written contract still governs inspection and cancellation rights.

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. With Cash Flow Deals, we cover repair costs, and we figure out a way, so nothing comes out of your pocket. You choose between the Fast Cash Offer, where we buy as-is and you make no repairs, and the Premium Cash Offer, where only what your buyer's lender requires gets fixed. On Premium, those costs are settled from the sale proceeds, from our share rather than your agreed number. 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.

Will skipping repairs lower what I net at closing?

Skipping repairs does not automatically mean a smaller check. Traditional buyers may use inspection findings to negotiate a lower price or request a credit. With Cash Flow Deals, you choose the Fast Cash Offer for an as-is purchase by us or the Premium Cash Offer for a higher-paying buyer who 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.