Your home goes to a real buyer.

A cash investor's offer is built around a formula: typically 70 percent of the home's after-repair value minus the estimated cost of repairs. On a house worth $300,000 as-is, that formula often produces an offer of $150,000 to $190,000. The investor needs that spread to renovate, carry the property, and make a profit. The seller's equity fills the investor's margin.

A bank-financed homebuyer does not have that margin requirement. They are buying a home to live in, not to sell. Their lender sets the price based on what the home is worth, the appraisal, not on what is left after a renovation budget and a profit target. This is why a bank-financed buyer can and routinely does pay 10 to 25 percent more than a cash investor on the same Florida property.

The loan types matter. An FHA buyer brings as little as 3.5 percent down and can purchase homes in most conditions. A conventional buyer typically puts 5 to 20 percent down and is required by their lender to purchase a home that meets Fannie Mae or Freddie Mac guidelines. A VA buyer uses a government-backed loan with no down payment requirement. In each case, the purchase price is determined by the appraised market value, not a flip margin.

What CFD does is remove the friction that typically prevents bank-financed buyers from competing with cash in speed and certainty. We pre-screen the property for loanability before the contract, so there are no surprises in underwriting. We coordinate the inspection and appraisal timeline. And we provide a cash-close backstop, if the buyer's financing falls through for any reason, we close as the buyer ourselves at the same locked price. The seller never reprices.

Every title in a CFD transaction transfers directly from seller to buyer in a single closing. Title Guaranty of South Florida handles the closing, the payoff, and the disbursement. The buyer's lender wires funds, the title company distributes, and the seller receives a wire, all on the same day.