One direct path from seller to buyer.
A real financed buyer, plus us as your cash backstop. One direct title transfer.
Your three selling paths.
See all three before you decide. We read the market like investors, and get you closest to retail.
Investor Lowball
- Fast, but built to buy low
- The buyer is reselling, not moving in
- Often well below market
CFD Buyer Path
- Priced closest to retail
- A real FHA or conventional buyer
- Plus us as a backup cash investor
- Usually no repairs needed
- One direct title transfer, seller to buyer
Traditional Listing
- Top retail price on paper
- A 6-to-9-month listing
- Repairs, showings, commission
We price like investors who know the market.
We read your home dollar-for-dollar in today's market, the way an investor does, then get you closest to what a retail listing could. Not a lowball. We buy and sell real estate, so the data behind the number runs deeper than a guess.
The timeline that actually makes sense.
A standard sale runs a 15-business-day inspection period and a 45-business-day close. A listing locks you into a 6-to-9-month agreement. We work inside the standard window, and use it to prove your price against the live market, not a six-month wait to find out.
The five-step process
- Share your address
- We review the home
- We match a real buyer
- The lender funds it
- Title transfers, you close
The buyer is a real homebuyer.
A pre-approved FHA or conventional homebuyer who wants to live in the home.
The lender funds the purchase.
The buyer's bank approves the loan and wires funds to the title company.
What CFD does.
Connects your home with the right buyer. Moves the paperwork. Never takes title.
One closing. One transfer.
Title transfers once, directly from you to the buyer. Every line on the statement.
What makes a novation sale different.
The legal structure that sets CFD apart from wholesalers and iBuyers. Full explainer ›
The questions sellers ask before they trust this.
Quick answers.
The novation structure: one contract, one closing, one transfer
A novation sale is a recognized Florida legal structure that replaces one party on an existing contract with a new party, with the consent of all original parties. In a CFD transaction, this means you sign an initial contract with CFD. CFD then finds a qualified end buyer — typically a pre-approved FHA or conventional homebuyer. Before closing, the contract is amended to place that buyer directly in your transaction, removing CFD as the purchasing party. You see the amendment. You sign it. The buyer is on record. Then one closing happens: the buyer's lender funds, Title Guaranty of South Florida closes, and the deed transfers directly from you to the buyer.
This is structurally different from wholesaling by contract assignment. In an assignment, the original buyer transfers their rights to a third party without the seller seeing or approving the replacement. The assignment fee the wholesaler earns is typically paid outside the closing statement. The end buyer is usually a cash investor — because FHA and conventional lenders will not fund an assigned contract. A cash investor prices the home below market because they need a resale margin.
A novation replaces the buyer on the contract with your knowledge and consent. The end buyer can use FHA or conventional financing because they are on the contract as the original buyer, not an assignee. Their lender's appraisal supports a market-rate price. CFD's fee is a single, transparent line on the HUD or Closing Disclosure, not a margin baked into the price you never see. One closing, one title transfer, full statement visibility.
The full picture: what CFD does from call to closing
Most sellers come to us after one of three experiences: a cash investor mailed them a postcard with a number that felt too low, a listing sat on the market for months with no offers, or a sale fell through at inspection because the buyer could not get financing. CFD is built to solve all three problems in a single path.
Step one is your address. We review the property, condition, location, market comps, county records, and come back with a number in writing the same week. That number is set the way an investor reads a market, then calibrated against what a real homebuyer's lender will appraise. The goal is the highest number we can honestly lock, not an estimate we inflate to win the listing and cut later.
Step two is the buyer match. We connect your property with a pre-approved FHA or conventional homebuyer whose lender will fund the purchase. The buyer is buying a home to live in, not to flip, so they pay closer to market value than a cash investor does. We do not run a bidding process, we match to a buyer who fits the property so the lender underwriting has the highest chance of closing without a price drop.
Step three is underwriting and title prep. The buyer's lender appraises the home and approves the loan. Title Guaranty of South Florida runs the title search, resolves any liens or clouds on title, and prepares the closing statement. Every line on the statement is visible to the seller before signing. CFD's fee is a separate line, not embedded in a commission or deducted off the top.
Step four is the closing itself. One signing, one title transfer, one wire. The lender funds, the title company distributes, and the seller receives net proceeds the same day. No second closing, no assignment chain, no wholesale flip in the middle. If the buyer's loan falls through at any point before closing, Cash Flow Deals closes as the buyer at the same locked price. The seller never reprices and never goes back to the market.