How cash offers work, what they cost you, and how to compare several cash offers against a full market listing before you decide.
Reviewed and updated October 3, 2026 by Ryan and Megan Winslow, Winslow Homes
Tell Ryan and Megan about the home. You get several cash offers and a listing plan, with your net from each one.
A cash buyer pays without a mortgage. That removes the lender appraisal, loan underwriting and financing contingency, which are the most common reasons a Winter Garden sale falls apart. The tradeoff is price: most cash buyers are investors who need a discount to make the numbers work.
Ryan and Megan have sold more than 3,000 homes over 17 years. They can gather offers from cash buyers and also prepare your home for the open market, so you choose with real numbers. See current conditions on the Winter Garden market page.
There are three common ways to sell. Each trades price against speed and effort differently, and a Winter Garden home can qualify for more than one.
Buys as-is, often for a rental or a renovation resale.
A company that makes an online offer, then adjusts after an inspection.
Your home is marketed to every buyer, including cash buyers.
Per $100,000 of market value. Assumptions are labeled so you can swap in your own numbers.
| Line item | List on market | iBuyer | Investor |
|---|---|---|---|
| Sale price (example) | $100,000 (100%) | $95,000 (95% offer) | $75,000 (75% offer) |
| Commission or service fee (example) | minus $5,000 (5%) | minus $4,750 (5% fee) | $0 |
| Doc stamp tax on deed ($0.70 per $100) | minus $700 | minus $665 | minus $525 |
| Repairs or repair deduction (example) | minus $1,000 prep | minus $2,000 | $0, sold as-is |
| Other closing costs (example) | minus $1,000 | minus $950 | $0, buyer pays |
| Holding costs while on market (example) | minus $1,000 | $0 | $0 |
| Estimated net | $91,300 | $86,635 | $74,475 |
This example uses round assumption numbers to show the math, scaled per $100,000 of value. They are not quotes or market averages. Only the documentary stamp tax on the deed ($0.70 per $100) is a set Florida rate. Commissions are negotiable. Multiply by your home's value; at the Winter Garden typical value of $567,000, the gaps grow in proportion.
You should not have to guess whether a cash offer is fair. Ryan and Megan run both paths at once:
Selling as-is to a cash buyer does not remove your duty to disclose. Florida courts require sellers to disclose known material defects that are not readily observable, and Florida law requires a written flood disclosure on residential sales at or before the contract is signed.
A cash buyer does not need a lender appraisal or loan approval, so closing can be set as soon as title work is done. The real timeline depends on title, liens and the contract you sign.
Usually. Investors price in repairs, holding costs and profit. iBuyers charge a service fee and deduct repairs. Listing on the market often nets more if you have time and the home shows well.
Yes. They can collect offers from cash buyers and also prepare an on-market listing, so you can compare real numbers side by side before you choose.
No proof of funds, asking you to pay fees up front, deposits not held by a title company or attorney, long inspection periods that let the buyer walk, and price cuts after inspection.
It is negotiable. Many cash buyers offer to pay them. The documentary stamp tax on the deed is $0.70 per $100 of the price in every Florida county except Miami-Dade.
Yes. Florida sellers must disclose known material defects that are not readily observable, and the state flood disclosure applies to residential sales. Selling as-is does not remove those duties.
Get cash offers and a listing plan for your Winter Garden home, with net numbers for each. Buying next? Apply for your next loan at WinslowLoan.com.
Ryan and Megan Winslow are licensed real estate brokers in Florida, Massachusetts, Connecticut and Rhode Island and Mortgage Bankers with The Federal Savings Bank. Ryan Winslow NMLS 2426605. Megan Winslow NMLS 2692933. Email [email protected].
Sources: Florida Department of Revenue, documentary stamp tax, Johnson v. Davis, 480 So. 2d 625 (Fla. 1985), Section 689.302, Florida Statutes, NAR, facts about the settlement and written buyer agreements, Zillow Home Value Index, U.S. Census Bureau QuickFacts. Updated October 2026. Rules change; confirm with Ryan and Megan before you act.
No in-person meeting or phone call needed for most addresses. See your estimated value, price range and value trend in seconds.
Estimates from your inputs only. Not a loan offer, rate quote or approval. Ryan and Megan, Mortgage Bankers with The Federal Savings Bank (NMLS #411500), confirm real numbers.
