Selling a Minnesota House With Structural Issues: What the Law Asks of You

Who Puts the Problem in Writing: You or a Qualified Third Party

Decide who describes the structural problem in writing. Minnesota law gives you two routes.

Route one is your own written disclosure. Under Minnesota Statutes section 513.55, you give it to the buyer before you sign an agreement to sell. It has to include all the material facts you're aware of that could adversely and significantly affect an ordinary buyer's use and enjoyment of the house. You make it in good faith, based on the best of your knowledge at the time.

Route two is a report, and it only works for the information it covers. Minnesota Statutes section 513.56, subdivision 3, says you don't have to disclose information that a qualified third party's written report already discloses, once that report has been given to the buyer.

The statute counts a government agency as a qualified third party, along with anyone you or the buyer reasonably believe has the expertise to meet the industry's standards of practice for that kind of inspection. A report has one limit. If you're given a copy and you know material facts that contradict it, the same subdivision has you disclose those facts.

Fix the Structure First, or Price the House As It Stands

Next, decide whether you repair the structural problem before you sell, or sell the house with it. Our view: a buyer who tours the house walks away from a price its condition doesn't support. So the repair and the price are one decision.

If you skip the repair, set the price against as-is sales of comparable homes. Never renovated ones. We'd rather your number come from what the market paid for houses like yours than from a formula.

Realtor.com put the median days on market for Minnesota listings at 47 in September 2026: a statewide median from the monthly series FRED publishes, counted from the list date to the closing, pending or off-market date, depending on the data available. It's not a forecast for your house.

We read a listing's days on market as the market grading its price against the homes buyers picked instead. When a house draws no interest, we take that as a price set too high. Our advice: correct it to the as-is evidence.

List the House, or Choose One of Our Two Offers

Last, decide how you want to sell your house. Cash Flow Deals gives you the Fast Cash Offer and the Premium Cash Offer together, and the choice is yours. With the Fast Cash Offer, we buy your Minnesota house as-is and close. Our team does one walk-through. With the Premium Cash Offer, a pre-approved FHA or conventional buyer we already have, ready to go, pays more and buys directly from you.

For Premium, you agree on a number with us and give us permission to bring that buyer in our place. The buyer signs a new contract directly with you. Title passes one time, straight from you to them, and their lender funds the purchase. We're paid on a separate line of the closing statement. You arrange access with us in advance, including any 10 to 15 minute buyer visit. Your written agreement explains the 15 business days of inspection and the closing terms: 45 days or less, with you helping choose the day.

We cover repair costs, and we figure out a way, so nothing comes out of your pocket. With Premium, only what the buyer's lender requires gets fixed, with repair costs settled from the sale proceeds from our share. With Fast Cash, we buy as-is, so you make no repairs.

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.

If your Premium buyer's loan falls through, that is our problem, not yours. You can still choose the Fast Cash Offer instead of the Premium Cash Offer, at its own number.