How Do Cash Home Buyers Work?
Last updated: February 2026
Quick Answer
Cash home buyers purchase properties directly using their own funds—no banks, no financing contingencies. You get a cash offer within 24-48 hours, skip repairs and commissions, and close in as little as 7 days.
The Cash Buyer Process: Step by Step
Contact Us
Call or fill out a form with your property details
Get an Offer
We evaluate and make a fair cash offer within 24-48 hours
Review & Accept
No pressure—take time to decide if it works for you
Close & Get Paid
Close in 7-60 days on your schedule
How Cash Buyers Differ from Traditional Sales
| Factor | Cash Buyer | Traditional Sale |
|---|---|---|
| Timeline | 7-14 days | 45-90 days |
| Agent Commission | $0 | 5-6% of sale price |
| Repairs Required | None | Usually required |
| Showings | None | Multiple strangers |
| Financing Risk | None | Deal can fall through |
| Closing Costs | We pay | Seller pays ~2% |
Why Choose a Cash Buyer?
Cash buyers make sense when you value speed, certainty, and convenience over maximizing every dollar. Common reasons include:
- Inherited property—you don't want to manage a distant house
- Facing foreclosure—you need to sell fast to protect your credit
- Major repairs needed—you can't afford or don't want to fix issues
- Job relocation—you need to move quickly
- Divorce—you need to split assets and move on
- Tired landlord—you're done dealing with tenants
How We Calculate Our Offers
At FL Home Buyers, we base our offers on:
- Recent comparable sales in your specific neighborhood
- Current market conditions in Florida
- Property condition—as a licensed General Contractor, we know real repair costs
- Our holding costs—what it costs us to own and renovate
We're transparent about our math. We don't pay full retail—that wouldn't be honest. But when you factor in the 6% you save on commissions, plus our covering all closing costs, plus the repairs you skip—many sellers net similar amounts with far less hassle.