What Happens at Closing With a Flat-Fee Sale in Florida
2 min read · Last updated 2026-08-03 · Reviewed by Camilo Palacio, Licensed Florida Real Estate Professional (License #3280644, REALTOR®)
Closing day locks in the number you already agreed to weeks earlier. Cash Flow Deals is one option that gets you there: the buyer's FHA or conventional lender funds the purchase, title moves once from you to the buyer, and Cash Flow Deals' fee shows up as its own line on the settlement statement, not folded into your price.
| Factor | Traditional Listing | Cash Flow Deals |
|---|---|---|
| Timeline | Closing scheduled once a buyer is found, then delayed by financing contingencies, typically 30-60+ days from listing to closing. | Net price locked before repairs are scoped, closing timed to the buyer's FHA or conventional loan approval, typically 30-45 days. |
| Repairs | Repairs usually negotiated after the buyer's inspection, sometimes as credits or price cuts at closing. | Price locked before repairs are scoped. The structural exception is the only thing that reopens the number after signing. |
| Fees / Costs | Negotiable listing and buyer-agent commission (per the NAR Sitzer/Burnett settlement, effective August 17, 2024) plus standard closing costs. | Flat fee shown as its own line on the settlement statement via Silver Door Realty, separate from the sale price. |
What Cash Flow Deals Actually Is at the Closing Table
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. At the closing table, that means one thing: Cash Flow Deals connects the file with a real FHA or conventional homebuyer, and that buyer's own lender funds the purchase. Cash Flow Deals never holds title itself. The seller signs once, and the deed moves directly from seller to buyer.
Cash Flow Deals' Process From Signing to Settlement
Cash Flow Deals' Process: 1. Request your net-price walkthrough. 2. Cash Flow Deals locks your net number before anyone scopes a single repair. 3. Cash Flow Deals connects your file with a real FHA or conventional buyer, and that buyer's lender orders the appraisal and underwriting. 4. The closing agent builds the settlement statement, with Cash Flow Deals' fee listed as its own line, separate from your sale price. 5. You sign once at closing, title transfers directly to the buyer, and funds wire to your account.
Who Else Shows Up to Closing
A financed sale in Florida runs through a licensed closing agent, usually a title company or real estate attorney's office. Expect the seller, the buyer, a notary, and paperwork from the buyer's mortgage lender. Cash Flow Deals doesn't add an extra signer or an extra transfer to that list. Because title only moves once, from seller to buyer, the room looks the same as any other financed closing in Florida, just with a different name funding the deal on the buyer's side and a separate fee line for Cash Flow Deals.
What the Closing Disclosure and Settlement Statement Show
Federal rules under the Truth in Lending Act and RESPA require a buyer's mortgage lender to deliver a Closing Disclosure at least 3 business days before the loan closes, spelling out the buyer's final loan terms and costs. On the seller's side, the settlement statement lists the sale price, any mortgage payoff, prorated taxes, and Cash Flow Deals' fee as its own line item, not a markup buried inside the price. Net proceeds land at the bottom, and that's the number that was locked before repairs ever got scoped.
Why the Locked Price Doesn't Move at the Table
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. Outside of that one exception, the number a seller sees at closing matches the number locked at signing, weeks earlier.
Common questions
Do I need a real estate attorney at my Florida closing?
Florida doesn't require a buyer or seller to hire an attorney for a residential closing, most sales close through a title company. You're still allowed to hire one for your own review, and for anything unusual in your contract, confirming the terms with a Florida licensed real estate attorney before you sign is worth the cost.
How long does closing take after I sign with Cash Flow Deals?
Closing timing follows the buyer's FHA or conventional loan approval, since that lender is the one funding the purchase. Financed closings in Florida typically run 30 to 45 days from a locked contract to a funded closing, depending on the buyer's underwriting.
Does the deed transfer more than once?
No. The deed transfers once, directly from the seller to the real homebuyer. Cash Flow Deals never takes title at any point in the process.
Who pays closing costs in a flat-fee sale?
Standard Florida closing costs, like title insurance, documentary stamp tax, and recording fees, get split the same way they would in a traditional sale unless the contract says otherwise. Cash Flow Deals' fee shows up as its own separate line on the settlement statement.
What happens if the buyer's loan falls through?
That risk exists in any financed sale, not just this one. Cash Flow Deals connects the file with a real FHA or conventional buyer whose own lender underwrites the loan, so approval depends on that lender clearing the buyer, the same as it would with a traditional listing.