How Does an iBuyer Compare With Your Fast Cash Offer and Premium Cash Offer?

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®)

An iBuyer buys your house itself, then resells it later and charges a service fee, often 5% to 8% of the price, plus a repair deduction after its own inspection. 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.

Factor	Traditional Listing	Cash Flow Deals
Timeline	Weeks to find a financed buyer on the open market, then 30 to 45 days for that buyer's loan to close once under contract.	You choose the Fast Cash Offer, where we buy as-is and close, or the Premium Cash Offer, where a pre-approved FHA or conventional buyer we already have pays more and buys directly from you. A 30 to 45 day comparison window is not a promised closing timeline for your chosen offer; on Premium, timing depends on your buyer's loan. 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.
Repairs	Buyer's inspection often triggers a price cut or repair credit demand mid-contract.	You choose the Fast Cash Offer, where we buy as-is with no repairs for you to make, or the Premium Cash Offer, where your buyer's lender determines the required repairs. We cover repair costs, and we figure out a way, so nothing comes out of your pocket; Premium repairs are settled from the sale proceeds from our share. 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.
Fees / Costs	Commission is negotiable since the 2024 NAR Sitzer/Burnett settlement (effective August 17, 2024), plus normal seller closing costs.	On the Premium Cash Offer, Cash Flow Deals is paid as a separate line item on the closing statement, not a percentage service fee deducted from the offer. No listing commission to Cash Flow Deals on the Fast Cash Offer.

What an iBuyer Actually Does

An iBuyer is a company that buys a house directly with its own money or a credit line, holds it, then lists it back on the open market later for a profit. Companies like Opendoor buy houses this way and charge a service fee, commonly around 5% of the sale price, on top of a separate deduction for estimated repairs found during their own inspection. The seller sells to the iBuyer's inventory, not to a person who is going to live in the house. Two transactions happen: the iBuyer's purchase, then the iBuyer's resale.

How Your Fast Cash Offer and Premium Cash Offer Work

With Cash Flow Deals, a Florida real estate investor, you choose the Fast Cash Offer or the Premium Cash Offer. With the Fast Cash Offer, we buy your house as-is and close. With the Premium Cash Offer, a pre-approved FHA or conventional buyer we already have, ready to go, pays more and buys directly from you. 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. Your buyer signs a new contract directly with you, their lender funds the purchase, and title transfers once, directly from you to them. We cover repair costs, and we figure out a way, so nothing comes out of your pocket. On Premium, only what your buyer's lender requires gets fixed, with costs covered up front and settled from the sale proceeds from our share. With 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.

Where the Fee Actually Sits

An iBuyer's service fee is baked into the offer itself. You see one number and have to reverse-engineer what got deducted for the fee and for repairs. With Cash Flow Deals, you compare the Fast Cash Offer and Premium Cash Offer and choose. We buy your house as-is and close on Fast Cash; on Premium, a pre-approved FHA or conventional buyer we already have buys directly from you for more. On Premium, anything owed is paid first from the sale proceeds, you receive your agreed number, and we are paid last from what remains as a separate, disclosed line item on the closing statement. Repair costs, commissions and closing costs come from our share, so nothing comes out of your pocket. 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.

Cash Flow Deals' Process

Your process with Cash Flow Deals starts with your choice between the Fast Cash Offer and Premium Cash Offer. With Fast Cash, we buy your house as-is and close. Premium works like this: 1. You agree to your number 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. A pre-approved FHA or conventional buyer we already have, ready to go, signs a new contract directly with you to buy for more. 3. Your buyer's lender underwrites the loan and identifies any required repairs. We cover repair costs, and we figure out a way, so nothing comes out of your pocket; only lender-required work gets fixed, with costs settled from the sale proceeds from our share. 4. Your buyer's lender funds the purchase, the deed transfers once from you to your buyer, and we are paid as a separate line item on the closing statement. 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 instead of the Premium Cash Offer.

What Happens If an Inspection Finds Something Real

iBuyers reprice after their own inspection almost as a matter of process, that is part of how the model works. Cash Flow Deals does not. 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.

Common questions

Does Cash Flow Deals buy my house the way an iBuyer does?

It depends on which offer you choose. With the Fast Cash Offer, Cash Flow Deals buys your house as-is with our own money and closes. With the Premium Cash Offer, a pre-approved FHA or conventional buyer we already have, ready to go, pays more and buys directly from you. That buyer signs a new contract with you, their lender funds the purchase, and title transfers once, directly from you to them.

How much does an iBuyer typically charge?

iBuyers build a service fee into their purchase offer, on top of a separate deduction for repairs found during their own inspection. Fee structures differ by company and by market, so a seller comparing offers should ask each iBuyer directly for its current fee before deciding.

Is Cash Flow Deals paid a percentage of my sale price?

On the Premium Cash Offer, Cash Flow Deals is paid as a separate line item on the closing statement, not deducted from the offer before the seller sees a number. On the Fast Cash Offer, there is no listing commission to Cash Flow Deals.

Can Cash Flow Deals lower my net price after I sign, the way an iBuyer can after inspection?

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. That can include previously unseen structural problems involving the foundation, moisture, wiring, or drains.