Who Pays for Repairs When You Sell As-Is in Florida?
3 min read · Last updated 2026-08-03 · Reviewed by Camilo Palacio, Licensed Florida Real Estate Professional (License #3280644, REALTOR®)
Usually the seller, just not in the way people expect. Cash Flow Deals is one option that locks the net price first, so the seller isn't negotiating repair credits after signing. Selling as-is means a seller isn't obligated to fix anything before closing, but it doesn't stop a buyer from asking for a price cut or a credit instead. Redfin's Q1 2025 data found 44.4% of U.S. home sales included seller concessions, up from 39.3% a year earlier.
| Factor | Traditional Listing | Cash Flow Deals |
|---|---|---|
| Timeline | A buyer can still ask for a credit or price cut during the inspection period, and negotiating that can take days even though no repairs are physically completed. | The net price already accounts for condition at offer time, so there's no separate repair-credit negotiation after signing. |
| Repairs | Seller isn't required to make repairs, but 44.4% of U.S. sales in Q1 2025 included some form of seller concession toward repairs, closing costs, or a rate buydown, per Redfin, and FHA loans cap concessions at 6% of price while conventional caps run 3% to 9% depending on down payment. | No physical repairs or concessions are required to reach the locked number. A genuinely new structural issue is re-costed once under the structural exception. |
| Fees / Costs | Seller pays any negotiated concession on top of a negotiable listing commission. | Cash Flow Deals' fee is a fixed line item on the closing statement through Silver Door Realty, separate from any concession math. |
'As-Is' Doesn't Mean 'No Negotiation'
Selling as-is in Florida means the seller has agreed not to make repairs during the contract. It does not mean the buyer has agreed to accept the house at the original price no matter what the inspection turns up. Under the FAR/BAR As-Is Residential Contract, the buyer still gets an inspection period, typically 15 days by default, during which they can cancel for any reason and get their deposit back, or come back asking for a lower price instead of a repair. That distinction is where most of the confusion about who pays lives: as-is protects the seller from being forced into a specific repair, it doesn't protect the seller from the price moving.
How Much Sellers Are Actually Giving Up in Concessions
Redfin's analysis of home sales found that 44.4% of U.S. transactions in the first quarter of 2025 included a seller concession, up from 39.3% a year earlier and just below the 45.1% record set in early 2023. A concession is recorded when the seller provides something that lowers the buyer's total cost, money toward repairs, closing costs, or a mortgage-rate buydown. Those concessions aren't unlimited. FHA loans cap seller concessions at 6% of the purchase price. Conventional loans, per Fannie Mae and Freddie Mac guidelines, scale the cap with the buyer's down payment: 3% if the buyer puts down less than 10%, 6% for 10% to 25% down, and 9% above 25% down. A seller technically paying nothing toward physical repairs on an as-is sale can still be handing over thousands of dollars through this route.
Where Cash Flow Deals Fits Into This
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. Because the number is set from the property's condition at offer time, there's no separate concession negotiation stacked on top of it later. 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 for Avoiding the Concession Negotiation
Cash Flow Deals' Process: 1. Cash Flow Deals sets a net price for the seller based on the property's condition at offer time, before any repair or concession conversation starts. 2. Cash Flow Deals puts that number in writing so the seller knows what they're walking away with. 3. Cash Flow Deals connects the property with a real FHA or conventional buyer whose own lender funds the purchase, with no seller-side concession negotiation required. 4. Title transfers once, directly from seller to buyer, at the number the seller already approved.
What This Means for a Seller Comparing Their Options
An as-is listing keeps a seller out of a specific repair job, but it doesn't keep them out of a price or credit negotiation, and Redfin's data shows that negotiation lands on close to half of all sellers nationally. A seller weighing that against Cash Flow Deals is really weighing a number that could still move against one that's set before the negotiation phase even opens. Both paths still follow the same Florida rule on disclosure: a seller has to be honest about what they actually knew, as-is clause or not.
Common questions
Does selling as-is mean I pay nothing toward repairs?
It means you're not obligated to make repairs. It doesn't mean a buyer can't ask for a price cut or a closing credit instead, which is functionally the same cost to you as a seller.
What's a seller concession and how much does it usually cost?
A seller concession is money or credit the seller gives the buyer toward repairs, closing costs, or a rate buydown. Redfin found 44.4% of U.S. home sales in Q1 2025 included one, and loan programs cap them at 6% of price for FHA and 3% to 9% for conventional, depending on down payment.
Can a buyer still ask for repairs on an as-is contract?
A buyer can ask, but the seller isn't obligated to agree under a Florida as-is contract. The buyer's real power is the inspection period, during which they can cancel and get their deposit back if the seller won't negotiate.
How is Cash Flow Deals different from a regular as-is sale?
A regular as-is sale still leaves the price open to negotiation during the inspection period. Cash Flow Deals locks the net price before that period exists, based on the property's condition at offer time.