Selling a House That Needs Repairs Without Paying Up Front

1. Find Out Which Repairs Block Financing

The lender's required repairs decide whether an FHA-financed purchase can proceed. Your improvement list is a separate list. They don't necessarily match.

HUD Handbook 4000.1 requires FHA properties to meet its standards for safety and soundness as well as security before the lender will fund, and the appraiser identifies required repairs and estimates the cost to cure; if a defect can't be corrected, or correction isn't feasible, the lender must reject the property.

Think of those repairs as a checklist at a gate. The FHA purchase has to clear it. A fresh-looking room doesn't clear an unresolved condition requirement somewhere else in the house, even when that room looks finished.

For you, the distinction is which work the lender requires: that's the Premium Cash Offer repair plan, and it doesn't call for a full renovation. Required work only. With the Fast Cash Offer, you can sell to us as-is.

2. Put Repair Costs and Your Number in Writing

You don't fund the Premium Cash Offer's lender-required repairs up front. The Fast Cash Offer has no repairs for you to make before you sell to us. Different repair terms. Put them beside each other.

1. Repair costs: We cover the repair costs under the Premium Cash Offer, front them and settle them from the sale proceeds, so nothing comes out of your pocket. Only what the buyer's lender requires gets fixed. That's the scope.

2. Your number, for both offers: The number is agreed before any work starts, and it changes only if you agree. 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.

3. Closing proceeds: Anything owed gets paid first from the sale, including mortgage payoff, liens, taxes, fees and closing costs, along with commissions and the cost of repairs, and you receive your agreed number subject to the structural exception in clause 2. We're paid last. From what's left. On the Premium Cash Offer, those costs come from our share, not your number, subject to that same exception. Nothing comes out of your pocket.

3. Choose Between Two Written Offers

You choose the Fast Cash Offer or the Premium Cash Offer through Cash Flow Deals. Who buys, the required work and the closing timeline: those are the differences.

1. Cash Flow Deals starts with your address: enter it, confirm it and answer the offer questions, then we provide a same-day callback in business hours. Everyone on the title is welcome on the call.

2. Fast Cash Offer and Premium Cash Offer terms: With the Fast Cash Offer, we buy your house as-is and close, and our team makes one walk-through. Inspection: 15 business days. Closing: 30 business days; the seller helps pick the date. With the Premium Cash Offer: More money. A pre-approved FHA or conventional buyer we already have, ready to go, buys directly from you. Inspection: 30 business days. Closing: 45 to 60 business days (2 to 3 months); the seller helps pick the date.

3. Premium Cash Offer contract and financing: You sign with us at an agreed number and give us permission to bring a buyer in our place, then that buyer signs a new contract directly with you. Title transfers once. You sell straight to that buyer. The buyer's lender funds the purchase, and we're paid as a separate line item on the closing statement. If your buyer's loan falls through, that's our problem. You can still take our Fast Cash Offer, at its own number.

Start with your address. Compare both offers before you choose.