Cash Flow Deals

Questions to Ask Before You Sell Your House in Florida

Published by Cash Flow Deals · Last updated 2026-07-27 · Reviewed by Camilo Palacio, Licensed Florida Real Estate Professional (License #3280644, REALTOR®), affiliated with Silver Door Realty, LLC (License #CQ1064903)

A Florida house with palm trees and blue flowers in front of it
Photo: Brian Zajac / Unsplash

The questions that actually matter before you sell: your real timeline, who eats the repair costs, what fees come out of your check, and what Florida law makes you disclose. Get those four answers and you'll know fast whether a traditional listing, a for-sale-by-owner attempt, or a direct sale to Cash Flow Deals puts the most cash in your hand. A traditional Florida listing can run weeks on market, then another month to close once financing and inspection contingencies clear. Cash Flow Deals skips that: it sets your net price before repairs are even scoped, working through its licensed FL brokerage partner, Silver Door Realty, instead of a standard listing process.

Cash Flow DealsTraditional Listing
TimelineNet price agreed before repairs are scoped; many sellers close in as little as 10 business daysTypically weeks to months on market, then another 30-45 days to close once an offer is accepted, longer if financing or appraisal issues arise
RepairsNo repairs required before the sale; the home's condition is factored into the net price upfrontBuyer's inspection often leads to repair credits or renegotiation, and Florida's disclosure duty still applies even in an 'as-is' contract
Fees/CostsFlat-fee process arranged through Silver Door Realty; no separate listing-agent/buyer-agent commission splitCommission typically 5% to 6% of the sale price split between two agents, plus 1% to 3% of the sale price in additional seller-side closing costs
Contract CertaintySingle novated contract connecting the seller to a real buyer; price isn't renegotiated after inspectionOffer can be renegotiated or fall through after inspection, appraisal, or buyer financing issues

Questions to Ask Yourself About Timeline and Price Before You List

Get honest with your own numbers before you call an agent or an investor. First question: what's the real deadline driving this sale. A job relocation. A closing date on your next purchase. A divorce settlement. Or no hard deadline at all. That deadline changes which selling method makes sense more than the asking price ever will. Second question: what would you actually accept if the highest offer landed 5% to 10% below your target number. Florida homes priced above recent comparable sales (homes of similar size, age, and condition that sold nearby in the last three to six months) routinely sit longer and often sell for less than a home priced right from day one. The first few weeks of a listing pull the most buyer traffic, so pricing wrong out of the gate costs you twice. Third question: what does 'sold' need to look like for you. The highest number on paper, or the largest amount that lands in your bank account after commissions, closing costs, and repair credits come out. Those two numbers are rarely the same. Sellers who compare list prices instead of net proceeds are the ones who get surprised at the closing table.

Questions to Ask About Commission, Fees, and What You'll Actually Net at Closing

Every Florida seller pays something to get a deal closed: an agent's commission, closing costs, or repair concessions. The real question is how much, and who's collecting it. Ask a listing agent straight up: what's your commission rate, and is any of it negotiable. Full-service commissions in most Florida markets run 5% to 6% of the sale price, split between the listing agent and the buyer's agent. On a $350,000 sale, that's $17,500 to $21,000 in commission alone, before any other cost comes out. Next question: what closing costs land on the seller's side of the settlement statement. Sellers commonly cover title insurance, a portion of transfer taxes, and prorated property taxes. The Consumer Financial Protection Bureau's closing disclosure materials list these as separate from the loan costs a buyer pays, and together they typically run 1% to 3% of the sale price. Ask one more: are there any costs due before the home even sells, like professional photography, staging, or pre-listing repairs. A survey of 1,000 home sellers by Clever Real Estate found 40% of sellers who sold without an agent struggled to understand their own contract, and 36% made an actual legal mistake as a result. That's the argument for getting every fee and every clause explained in plain language before you sign anything, agent or no agent.

Questions to Ask About Repairs, Disclosures, and Your Legal Obligations as a Florida Seller

Repairs and disclosure are where Florida sellers get burned the hardest, and the two issues are legally tied together even though they feel separate. Ask a contractor or inspector one question: which repairs are serious enough that a buyer's lender or appraiser could actually kill the deal. Think a roof past its insurable age, active leaks, exposed wiring, a non-functioning HVAC system. Cosmetic items, a buyer will usually accept or negotiate around instead. Ask a real estate attorney or agent a second question: what am I legally required to disclose to a buyer, even selling 'as-is'. Florida law answers this directly. The state Supreme Court's 1985 decision in Johnson v. Davis, 480 So. 2d 625 (Fla. 1985), holds that a seller with actual knowledge of a defect that materially affects the home's value, isn't readily observable, and isn't already known to the buyer has a legal duty to disclose it. An 'as-is' clause does not erase that duty. A Florida seller can't mark a home 'as-is' and skip disclosing a known roof leak, a past sinkhole repair, or an unpermitted addition just because the buyer agreed to take the property as it sits. Last question: if you don't want to pay for repairs upfront, what are your actual options besides negotiating repair credits after the buyer's inspection.

How Cash Flow Deals Fits Into a Florida Seller's Decision

A Florida seller weighing a traditional listing, a for-sale-by-owner attempt, and a direct sale to a real buyer is weighing three different risk profiles. List the home: commission and repair-negotiation risk. Sell it solo: contract and disclosure risk. Sell direct: the risk of handing your house to an operation that isn't even a licensed, accountable transaction. Cash Flow Deals is built for the seller who wants that direct sale without losing the accountability, because the deal runs through a real licensed brokerage, not an unlicensed one.

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.

Here's how Cash Flow Deals works for a Florida seller:

1. Cash Flow Deals reviews the property and the seller's timeline directly, and typically responds with a written net price within 24 hours of a walkthrough or a submitted set of photos and details.

2. The seller and Cash Flow Deals agree on that net price before any repair scope is finalized. No renegotiation later if an inspection turns up a roof issue, an aging water heater, or another defect.

3. The transaction closes through the novation process arranged with Silver Door Realty, connecting the seller to a real FHA, conventional, VA, or DSCR buyer, often in as little as 10 business days from agreement to closing.

Common questions

What should I never say to a real estate agent or a buyer when selling my house?

Don't hand over your absolute lowest acceptable price, a hard deadline you're desperate to hit, or any language that signals financial distress. All three do the same thing: they give the other side a number or date to anchor against and weaken your position. Being honest about your general timeline is fine. The risk is the specific figure or date, the detail that lets someone negotiate against you instead of with you.

Do I still have to disclose problems with my house if I sell it 'as-is' in Florida?

Yes. Florida's Supreme Court ruled in Johnson v. Davis, 480 So. 2d 625 (Fla. 1985), that a seller with actual knowledge of a material defect, one that isn't readily observable and isn't already known to the buyer, must disclose it. An 'as-is' clause doesn't erase that duty. Skip a known issue like a roof leak, a past sinkhole repair, or a permitting problem just because the contract says 'as-is,' and you can still face a legal claim from the buyer after closing.

How is selling to Cash Flow Deals different from listing my house traditionally?

With a traditional listing, the price gets renegotiated after the buyer's inspection. Repair credits, another round of back-and-forth, even a lost deal, all still on the table after you've already accepted an offer. Cash Flow Deals agrees on a net price with the seller before repairs are scoped, then closes through a novated contract arranged with its licensed FL brokerage partner, Silver Door Realty, connecting the seller to a real buyer instead of putting the home through a second price negotiation.

Keep reading

What this means for your options

Every path to selling a house has real tradeoffs. Cash Flow Deals is built for the middle: faster than a traditional listing, more money than a cash investor.

Wait and see

Keep the property as-is and hope conditions improve. The mortgage, insurance, and upkeep keep costing money while you wait, with no set date for things to turn around.

List with a traditional agent

Standard MLS listing, typically 5-6% in commission, and a financed buyer whose deal depends on appraisal, inspection, and lender approval — any of which can fall through after weeks on market.

Sell to Cash Flow Deals

No repairs, no showings, no financing contingency on your side — our novation structure connects you with a bank-financed buyer at a price locked at signing. Usually within one business day.

See your selling options before you decide anything.

Start with your address. Decide after you see the path.

No obligation. See what CFD can do first.