Does the Buyer Need to Qualify for a Mortgage When I Sell This Way?

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®)

Yes. With Cash Flow Deals, you choose between the Fast Cash Offer, where we buy your Florida 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. Your Premium buyer still has to qualify for a real loan. HUD requires FHA borrowers to put down at least 3.5% with a 580 credit score or higher, or 10% with a score between 500 and 579. A conventional buyer qualifies through separate lender underwriting. On the Premium Cash Offer, your buyer's lender funds the purchase arranged by Cash Flow Deals.

Factor	Traditional Listing	Cash Flow Deals
Timeline	Buyer's mortgage approval process, appraisal, and underwriting typically run 30 to 45 days once under contract, same as with any financed buyer.	With your Premium Cash Offer, Cash Flow Deals coordinates with a pre-approved FHA or conventional buyer we already have, ready to go, whose lender must complete underwriting before your buyer purchases directly from you. You can also choose the Fast Cash Offer, where we buy your house as-is and close.
Repairs	FHA appraisals in particular can flag repair items that must be fixed before the loan funds, adding negotiation after the buyer is already found.	You choose the Fast Cash Offer, where we buy as-is, or the Premium Cash Offer, where your buyer purchases directly from you and only lender-required repairs get fixed. We cover repair costs, and we figure out a way, so nothing comes out of your pocket; Premium repair costs are settled from the sale proceeds, from our share. 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.
Fees / Costs	Seller and buyer each cover their own loan-related and closing costs; seller's side still includes commission, title fees, and taxes.	Cash Flow Deals is paid as a separate line item on the closing statement, through Silver Door Realty, disclosed up front, separate from whatever the buyer's own lender charges that buyer.

Yes, the Buyer Goes Through Real Mortgage Underwriting

You choose between the Fast Cash Offer, where Cash Flow Deals buys your house as-is and closes, 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. Your Premium buyer applies with their own lender, gets underwritten, and closes using that lender's funds, like any other financed purchase in Florida. HUD's FHA program requires a minimum 3.5% down payment for borrowers with a credit score of 580 or higher, and 10% down for scores between 500 and 579. A conventional buyer goes through separate underwriting set by that loan's investor guidelines. Either financed path means real income verification, real credit review, and a real appraisal.

Cash Flow Deals' Process: Coordinating the Buyer's Qualification

Cash Flow Deals' Process: 1. Request your net-price walkthrough to 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. 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. 2. With Premium, Cash Flow Deals coordinates with your buyer, who uses their own lender. 3. The buyer's lender orders the appraisal and completes underwriting against the agreed price. 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 repair costs settled from the sale proceeds, from our share. 4. Cash Flow Deals moves your Premium sale to closing once the buyer's loan clears to close, and title transfers once, directly from you to your buyer. If the buyer's loan falls through, that is our problem, not yours: Cash Flow Deals still lets you choose the Fast Cash Offer at its own number instead of the Premium Cash Offer.

What This Means for Your Agreed Number

With Cash Flow Deals, you choose between the Fast Cash Offer, where we buy your Florida 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. We cover repair costs, and we figure out a way, so nothing comes out of your pocket. Only what your buyer's lender requires gets fixed, with costs 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. That could include foundation issues, hidden moisture, old wiring, or cast-iron drain failure. We disclose what we know when we make your offers.

How This Differs From Selling to an Investor Who Takes Title

Some Florida sellers assume any investor-arranged sale means no real buyer and no real mortgage anywhere in the chain. That is not how Cash Flow Deals works. The end buyer on the property is a person or family qualifying for their own FHA or conventional loan, and title passes once, directly from the seller to that buyer, at a single signing. Cash Flow Deals is never on title itself at any point.

Current Mortgage Rate Context for FL Buyers

The rate a buyer qualifies at affects how fast underwriting clears and how much house that buyer can afford. As of July 30, 2026, Freddie Mac's Primary Mortgage Market Survey put the average 30-year fixed mortgage rate at 6.66%. Buyers Cash Flow Deals coordinates are financing in that same market, subject to the same lender rules as any other FHA or conventional purchase in Florida.

Common questions

What credit score does the buyer need?

That depends on the buyer's loan type and lender, not on Cash Flow Deals. HUD's FHA program allows a 3.5% down payment at a 580 credit score or higher, and requires 10% down for scores between 500 and 579. A conventional buyer's minimum score is set by that loan's underwriting guidelines.

Could the buyer's loan fall through?

Any financed purchase carries that risk, whether your buyer came through a traditional listing or through Cash Flow Deals. With the Premium Cash Offer, if your 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: the Premium Cash Offer brings a pre-approved FHA or conventional buyer we already have, ready to go, who pays more and buys directly from you; with the Fast Cash Offer, Cash Flow Deals buys your house as-is and closes.

Does Cash Flow Deals fund the purchase itself?

No. The buyer's own FHA or conventional lender funds the purchase. Cash Flow Deals coordinates the transaction and is paid as a separate line item on the closing statement, not as the source of purchase funds.

Why does the buyer's mortgage matter after we agree on my number?

With the Premium Cash Offer, your buyer's lender funds the purchase, so your buyer still needs final loan approval before you can close. You can compare that with the Fast Cash Offer, where we buy your house as-is and close. 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. 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.