How Do You Sell Your House As Is in Maryland?
Published by Cash Flow Deals · Last updated 2026-10-08
You can sell your Maryland house as is. When the state's disclosure law covers your sale, you still hand each buyer a written disclosure statement or a written disclaimer statement, and even the disclaimer has to disclose any latent defect you actually know about. If skipping the repair bill matters most to you, Cash Flow Deals gives you two offers to choose from. With our Cash offer, we buy the house as-is and close. With our higher Premium offer, made through novation, the home may be listed during the 15 business days of inspection, and a licensed agent brings each buyer.
| Sell it as is through a listing | Cash offer | Premium offer | |
|---|---|---|---|
| Who buys | Whoever your listing attracts | Cash Flow Deals buys the house as-is | A real FHA or conventional buyer, through novation |
| Your number | The offer you accept from that buyer | Our as-is number | A higher number than the Cash offer |
| Listing and showings | Listed and shown until a buyer signs | No listing. One walk-through by our team | May be listed during the 15 business days of inspection. A licensed agent brings each buyer; showings are scheduled with you ahead of time and take 10 to 15 minutes |
| Inspection period | Whatever the purchase contract sets | 15 business days | 15 business days |
| Closing date | Unknown until a buyer signs a purchase contract | 45 days or less, on a date you help pick | 45 days or less, on a date you help pick |
| Fees | Set by your listing agreement and the purchase contract | No listing commission to Cash Flow Deals | Cash Flow Deals is paid as a separate line item on the closing statement |
| If financing falls through | The sale may not close; the contract decides what happens next | Not applicable: we're the buyer | You can still take the Cash offer |
Fix It First, or Price It for the Shape It's In
Decide this first. Do you spend money on repairs, or price the house for the shape it's in? Section 10-702 of Maryland's Real Property Article says you don't have to carry out or provide an independent investigation or inspection of the property to make the disclosures it requires.
The same law requires the disclosure form to tell buyers something else: that a seller's disclosure isn't a substitute for an inspection by an independent home inspection company, and that they may wish to get one. If a buyer takes that advice, assume their inspector will look at whatever you didn't fix.
Our view: if you skip the repairs, your price has to say so, because buyers walk when the price doesn't match the condition they see in person. Set your number from homes near you that sold in as-is condition, not from renovated ones.
Disclosure or Disclaimer: Pick Your Maryland Statement
Section 10-702 of Maryland's Real Property Article gives you two written statements to choose from: a residential property condition disclosure statement, or a residential property disclaimer statement, each on a form provided by the State Real Estate Commission. For a sale the law covers, you fill one out and deliver it to each buyer.
The disclaimer is Maryland's as-is statement. It says the buyer takes the house as is, with all defects, except where the contract says otherwise. But it still has to disclose every latent defect you actually know about.
A latent defect has a narrow meaning in that law. It's a material defect a buyer wouldn't reasonably be expected to find by a careful visual inspection, and one that would pose a direct threat to the health or safety of the buyer or an occupant of the house.
The disclosure statement asks for more. It covers the defects or information you actually know about for each item the law lists, from the water and sewer systems to the roof and foundation. It even asks whether your smoke alarms are over 10 years old.
The statute also sets when you hand it over. Deliver your statement before or when you and the buyer enter into the contract, and the buyer signs a dated receipt. Then the buyer can't rescind the contract based on what the statement says. Deliver it late and the buyer gets an unconditional right, by written notice, to rescind before receiving it or within 5 days after, with deposits returned right away. The buyer loses that right by not using it before closing or moving in, whichever comes first. It can end sooner in some cases tied to the buyer's mortgage application.
Find Your Own As-Is Buyer, or Weigh Our Two Offers
Our view: a listing gives you a shot at a higher price, and it costs you time. You don't have a closing date until a buyer signs. We also think the higher price on a listing comes from putting the house in front of buyers whose lenders fund the purchase.
If keeping your repair money matters more to you than finding that buyer yourself, Cash Flow Deals puts two offers in front of you, and you choose one.
1. Cash offer: Cash Flow Deals buys your Maryland house as-is and closes. There's no listing. Our team walks through once.
2. Premium offer: a higher number, paid by a real FHA or conventional buyer through novation. You sign with us at a number you agree to and let us bring a buyer in our place. During the 15 business days of inspection, the home may be listed, and a licensed agent brings each buyer. Showings are scheduled with you ahead of time and take 10 to 15 minutes. When the buyer is ready, they sign a new contract directly with you. Their lender funds it. Title transfers once, from you to them. We're paid as a separate line item on the closing statement.
3. Inspection period: 15 business days, whichever offer you take.
4. Closing: 45 days or less, on a date you help pick.
5. Costs: You get the amount you agree to, and we'll handle any costs on top of that. 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.
6. Financing: if the Premium buyer's financing falls through, you can still take the Cash offer.
Common questions
Does Maryland's disclosure law cover every home sale?
No. Section 10-702 applies only to single family residential property improved by four or fewer single family units, and it lists sales it doesn't cover. One of them is a transfer by a fiduciary in the course of administering the estate of someone who has died, a guardianship, a conservatorship or a trust.
Is my Maryland disclosure statement a warranty?
Not for what you don't know. Section 10-702 says your disclosure statement isn't a warranty about the condition of the property, or other conditions, that you have no actual knowledge of.
Will a listing agent explain these rules to me?
If you list with one, yes. Maryland's law says the real estate licensee who represents you as your listing broker has to tell you your rights and obligations under Section 10-702.
Is either offer binding before I sign?
No. Nothing is binding until both sides sign a written contract, so you can still turn both down, and you can have an attorney read it first. Everyone on the title is welcome on the call.
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.