We Buy Houses and Commercial Property for Cash in Southwest Florida

Home › Florida Locations › Southwest Florida · Updated October 25, 2026

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Southwest Florida is our home market, and it is a region unlike any other in the state. It runs from the Peace River and the Myakka in the north to the edge of the Everglades and Big Cypress in the south, and from Gulf barrier islands to the sugarcane and cattle country around Lake Okeechobee. In between are some of the fastest-growing cities in the country, retirement and seasonal communities, working agricultural towns and more than a few places that have rebuilt after hurricanes more than once.

That geography produces a remarkable range of properties: canal homes in Cape Coral and Punta Gorda, high-rise condos in Naples and Sarasota, island cottages on Sanibel and Fort Myers Beach, 1950s-platted lots built out in Lehigh Acres and North Port, manufactured homes from Englewood to Moore Haven, and ranch homes on acreage outside Arcadia and LaBelle. On the commercial side it runs from Fifth Avenue South storefronts to strip centers on US 41, flex warehouses near the airports and motels along old Tamiami Trail.

We buy across all of it. Because this is where we operate every day, we understand the flood maps, the permitting offices, the insurance market and the seasonal swings — and we use that knowledge to make clear, fair offers rather than surprise you with renegotiations. Start with your county or city below, or simply request an offer.

Why Sell to a Southwest Florida-Based Cash Buyer?

Southwest Florida Counties and Cities We Serve

Lee County

The region’s population center and the core of our market. Canal-laced Cape Coral, historic Fort Myers, the islands of Sanibel and Fort Myers Beach that bore the brunt of Hurricane Ian, the inland grid of Lehigh Acres, fast-growing Estero and Bonita Springs, and the manufactured-home and riverfront communities of North Fort Myers.

• Cape Coral
• Fort Myers
• Lehigh Acres
• Bonita Springs
• Estero
• Fort Myers Beach
• Sanibel
• North Fort Myers
• San Carlos Estates
• Imperial Shores
• Captiva
• North Naples
• East Naples
• Old Naples
• Everglades City
• Goodland
• Downtown Fort Myers
• South Fort Myers
• Bonita Beach
• Alva
• Pine Island
• Boca Grande
• San Carlos Park
• Punta Gorda Isles
• Siesta Key
• Lakewood Ranch
• Gateway

Collier County

From Naples’ beachfront neighborhoods and condo towers to Marco Island, where Hurricane Irma made its second Florida landfall in 2017, and inland to Golden Gate, Immokalee’s farmworker community and the planned town of Ave Maria. Condo safety laws, HOA rules and high-value storm rebuilds are frequent themes.

• Naples
• Marco Island
• Immokalee
• Golden Gate
• Golden Gate Estates
• Ave Maria

Charlotte County

Punta Gorda, where Hurricane Charley made landfall in August 2004 and rebuilt into a waterfront city; Port Charlotte’s sprawling canal and dry-lot grid; and Englewood’s Gulf-coast cottages and manufactured-home communities. Charlotte also includes the solar-powered planned town of Babcock Ranch to the east.

• Punta Gorda
• Port Charlotte
• Englewood

Sarasota County

The northern edge of our core market: the city of Sarasota’s historic neighborhoods and bayfront condos, Venice’s older Gulf-front homes and 55+ communities, and North Port’s large pre-platted residential grid. Hurricane Milton made landfall near Siesta Key on October 9, 2024, and Hurricane Ian flooded parts of North Port along the Myakka River in 2022.

• Sarasota
• North Port
• Venice

Hendry County

Rural and agricultural, with LaBelle on the Caloosahatchee and Clewiston on the south shore of Lake Okeechobee, the heart of Florida’s sugar industry. Older block homes, manufactured homes, homes on acreage and small-town commercial buildings are common.

• LaBelle
• Clewiston

Glades County

One of Florida’s least populous counties, centered on Moore Haven at the western edge of Lake Okeechobee, protected by the Herbert Hoover Dike. Fishing camps, manufactured homes and modest older houses make up much of the housing stock.

• Moore Haven

DeSoto County

Ranching and citrus country along the Peace River, with Arcadia’s historic downtown and older neighborhoods. Hurricane Ian’s flooding along the Peace River hit Arcadia hard in 2022, and Charley’s winds damaged much of the county in 2004.

• Arcadia

Manatee County

Just north of Sarasota, Manatee County — Bradenton, Palmetto, Lakewood Ranch, Parrish and Anna Maria Island — is the bridge between Southwest Florida and Tampa Bay, and an area where we buy regularly. Anna Maria Island and coastal Bradenton saw storm surge from Helene and Milton in 2024.

How Have Hurricanes Shaped Southwest Florida Real Estate?

Few regions in the country have absorbed as many major storms in as short a span as Southwest Florida. Understanding that history helps explain today’s market — and why so many owners decide to sell as-is.

A short storm timeline

• Hurricane Donna (1960) swept across the region before most of today’s cities existed, shaping early building practices.
• Hurricane Charley (August 2004) made landfall near Punta Gorda as a compact, intense storm and tore through Charlotte, Lee and DeSoto counties. Many older homes and manufactured homes were destroyed; Punta Gorda rebuilt with a new downtown.
• Hurricane Wilma (October 2005) crossed Collier County from the Gulf, damaging roofs and screen enclosures across Naples and Marco Island.
• Hurricane Irma (September 2017) made landfall at Marco Island and moved up through Collier and Lee counties, bringing wind damage region-wide and severe rain flooding inland, including Bonita Springs, Immokalee and Lehigh Acres.
• Hurricane Ian (September 28, 2022) made landfall near Cayo Costa in Lee County. Its storm surge devastated Fort Myers Beach, Sanibel, Captiva, Pine Island, Naples’ coastal neighborhoods and parts of Cape Coral, and rainfall flooded inland rivers from North Port to Arcadia.
• Hurricane Helene (September 2024) passed offshore, but its surge pushed water into coastal areas along the Gulf coast, including parts of Sarasota and Manatee counties.
• Hurricane Milton (October 9, 2024) made landfall near Siesta Key in Sarasota County, bringing wind, surge and an outbreak of tornadoes to parts of the region.

What that means for sellers today

Repeated storms have left the region with a large inventory of homes that are damaged, partially repaired, repaired without permits, or repaired but now facing much higher insurance costs. Some owners are exhausted by the claim-and-rebuild cycle. Others inherited a damaged home or own a rental they cannot afford to restore. We buy all of these. Read our page on selling a hurricane- or flood-damaged property for more.

Insurance, Flood Rules and Condo Laws Across Southwest Florida

The 50% substantial-damage rule

Every county and city in the region participates in the National Flood Insurance Program and enforces FEMA’s substantial-damage standard. If repairing a structure in a Special Flood Hazard Area would cost 50% or more of its market value, it must be brought into compliance with current flood elevation rules — often by elevating or rebuilding. Older ground-level homes on the islands, along canals and near rivers frequently cross that line. A cash sale lets you hand that decision to us.

Wind insurance and roof age

Florida’s property insurance market has tightened dramatically. Many carriers now require newer roofs, wind-mitigation reports and four-point inspections, and the state-backed Citizens Property Insurance Corporation has become the insurer of last resort for many owners. Because a financed buyer must have insurance before the lender funds, homes with older roofs or systems often struggle to sell traditionally. Cash buyers like us are not subject to that requirement.

Condo milestone inspections and reserves

After the 2021 Surfside collapse, Florida enacted laws requiring milestone structural inspections for many condominium buildings three stories or taller, structural integrity reserve studies, and full funding of reserves for key components. Coastal Southwest Florida has a large stock of 1970s and 1980s condo buildings, and many associations from Naples to Venice have imposed significant special assessments. We buy condos in buildings facing assessments and inspection findings; see our condo and townhome page.

Well, septic and utility assessments

Much of the region was platted long before utilities arrived. Cape Coral’s Utilities Extension Program assessments, private wells and septic systems in Lehigh Acres, North Port, Port Charlotte and Golden Gate Estates, and septic-to-sewer conversions in older coastal neighborhoods all come up in sales. We handle these issues in our pricing rather than requiring you to fix them first.

How Does the Southwest Florida Real Estate Market Work?

Seasonality

Southwest Florida’s population swells between roughly November and April, when seasonal residents and visitors arrive. Showing activity and listings peak during those months, then slow through the hot, rainy summer and hurricane season. A home listed in late spring can sit until the next season, piling up holding costs. Cash offers do not follow the calendar.

Growth corridors

Growth has pushed east from the coast along I-75 and beyond: Estero and Gateway in Lee County, Babcock Ranch in Charlotte County, Ave Maria and the Immokalee Road corridor in Collier County, North Port’s Wellen Park area in Sarasota County and Lakewood Ranch in Manatee County. New construction competes with resale homes, especially older ones that need updating, which is one reason dated homes can be slow to sell on the open market.

Investor-owned and seasonal housing

A large share of homes in the region are second homes or rentals owned by people who live elsewhere. Those owners often want a simple, remote sale without managing repairs, showings or tenants from a distance. We close remotely with out-of-state and international sellers through Florida title companies. See our pages for tired landlords and vacant property owners.

Agricultural and inland communities

East of I-75, Hendry, Glades and DeSoto counties and inland Collier remain rural, with agriculture — sugarcane, citrus, cattle and vegetables — driving the economy. Homes here are often older, on wells and septic, and sometimes on several acres. Buyers using financing can struggle with appraisals in rural areas, which makes a cash offer especially useful.

Southwest Florida Property Types We Buy

Residential

• Single-family homes, canal homes and island cottages
• Condos, villas, coach homes and townhomes
• Duplexes, small multifamily and apartment buildings
• Mobile and manufactured homes

Commercial

• Retail and shopping centers
• Office and medical office
• Industrial, warehouse and flex
• Mixed-use
• Hotels and motels
• Self-storage
• Mobile home and RV parks

Southwest Florida’s commercial market follows US 41 (the Tamiami Trail) from Sarasota through Venice, Port Charlotte, Punta Gorda, Fort Myers, Bonita Springs and Naples, along with I-75 interchange districts, the areas around Southwest Florida International Airport and Punta Gorda Airport, and the downtowns of Fort Myers, Naples, Sarasota and Punta Gorda. The region also has an unusual concentration of mobile home and RV parks, older motels and small strip centers built in the 1960s through 1980s — properties that often need capital and are a good fit for a direct cash buyer. Learn more on our commercial property page and our distressed commercial page.

Roads, Employers and What Drives Demand in the Region

Two highways tie Southwest Florida together. Interstate 75 runs north–south from Sarasota and North Port through Port Charlotte, Punta Gorda, Fort Myers, Estero and Bonita Springs to Naples before turning east across Alligator Alley toward Broward County. US 41, the Tamiami Trail, parallels it closer to the coast and carries much of the region’s older commercial development. East–west, State Roads 80, 82 and 29 connect the coast to LaBelle, Lehigh Acres, Immokalee and Clewiston, while SR 70 and SR 31 link Arcadia and the Peace River valley to the I-75 corridor.

Healthcare is one of the largest employment sectors, led by Lee Health in Lee County, NCH in Collier County, and hospital systems serving Charlotte, Sarasota and DeSoto. Higher education includes Florida Gulf Coast University near Estero, Florida SouthWestern State College with campuses across several counties, and New College of Florida and other institutions in Sarasota. Tourism, construction, real estate, retail, agriculture and local government round out the economy, and corporate offices in Estero, Fort Myers, Naples and Sarasota add white-collar jobs. Southwest Florida International Airport in Fort Myers, Punta Gorda Airport and Sarasota Bradenton International Airport connect the region to the rest of the country.

For sellers, that economic mix matters in a simple way: steady demand for rentals and housing near employment centers keeps us actively buying in every county, including properties that need significant work.

Situations We Help Southwest Florida Owners Solve

The reasons people sell in Southwest Florida are as varied as the region. These are the situations we see most often:

• Hurricane and flood damage
• Inherited homes and probate
• Foreclosure and missed payments
• Code violations and unpermitted work
• Problem tenants
• Back taxes and liens
• Major repairs and fire damage
• Divorce
• Relocation

Many of our sellers are adult children settling a parent’s estate after years of seasonal living, landlords who bought in the last cycle and are now facing higher insurance and taxes, or owners who repaired after Ian only to face another storm two years later. Each situation calls for a slightly different approach, and we are glad to talk through options even if you end up not selling to us.

What Does It Cost to Sell in Southwest Florida? Cash vs. Listing

Here is a typical comparison of a direct cash sale and a traditional listing in the region. Figures are common ranges, not guarantees. Our cash offer vs. listing guide explains each line.

How Selling to Us Works Anywhere in Southwest Florida

1. Tell us about the property. Fill out the form or call (239) 686-0823. Include the address, condition, occupancy and any storm, permit or title issues you know about.
2. We review it locally. We check the county property appraiser and permit records, flood zone and any association documents, then schedule a walkthrough at your convenience.
3. Get a written cash offer. Usually within 24–48 hours of us receiving the property details, with no obligation.
4. Close when you choose. We close through a Florida title company, in person or remotely, often in 7–14 days with clear title or on a later date you pick.

See how it works for details, or start on our sell my house fast page. Real estate agents, attorneys and adjusters can learn how to work with us on our partners page.

Beyond Southwest Florida

Southwest Florida is our home market, but we buy houses and commercial property throughout Florida, including Tampa Bay, Central Florida, South Florida, the Space Coast, Northeast Florida and the Panhandle. If your property is in Manatee County or elsewhere in the state, we would still like to hear about it.

Related reading: How to Sell Your House Fast for Cash in Southwest Florida: A Step-by-Step Guide

Half-Built Homes Across Southwest Florida: Sell Yours As-Is

Southwest Florida’s pre-platted grids in Cape Coral, Lehigh Acres, North Port, Port Charlotte and Golden Gate Estates made it easy for small spec builders and owner-builders to start homes on scattered lots, and the years after Hurricane Ian in 2022 and the 2024 storm season left more of them stalled when crews, materials or financing dried up. Some sit as block shells waiting on trusses; others have a roof but no drywall, a well and septic permit that lapsed, or a Cape Coral utility assessment still owed.

Libera Capital Group, based in Fort Myers, buys these homes in every phase: shell only, inactive or expired permits, open code cases, a builder that went out of business or had its license suspended, a GC that ran out of money, lis pendens from construction-lien suits, and tall-grass liens from lot mowing. Permits here run through several different offices, including Lee, Collier, Charlotte and Sarasota counties and city departments such as Cape Coral, North Port and Punta Gorda, and we sort that out after purchase. See our unfinished construction guide for how pricing and closing work.

Who Buys Houses in Southwest Florida?

Libera Capital Group is a Southwest Florida cash buyer, and owners across the region typically compare several kinds of buyers. Local cash buyers like us purchase as-is; national “we buy houses” franchises and iBuyers run standardized offer programs; investors and landlords buy homes to rent, including seasonal and long-term rentals; and retail buyers — many relocating or buying second homes — come through a listing agent, usually with financing or insurance requirements of their own.

Since recent hurricanes, many Southwest Florida properties carry issues that slow a conventional sale: flood and wind damage, the 50% substantial-improvement rule in flood zones, rising insurance premiums and condo special assessments. A buyer with a Fort Myers office who works these counties every day can evaluate storm-affected and older homes in person, buy them in their current condition and close on a timeline that fits the seller.

Frequently Asked Questions about Selling in Southwest Florida