Frequently Asked Questions about Selling Florida Property for Cash

Yes. Members of our team speak Spanish, Haitian Creole, French, German and Portuguese, so you can discuss your property, our offer and the closing process in the language you are most comfortable with. Just mention your preference when you call (239) 686-0823 or submit the form. You can also read about selling your home in Spanish, Haitian Creole, French, German or Portuguese. Owners living in Canada, Europe or Brazil can also read our guides on selling a Florida property from abroad.

Yes, the principals of Libera Capital Group are licensed real estate brokers. However, when we buy your property we act only as a principal buyer for our own account. We do not represent you, the buyer or any other party in the transaction, no brokerage relationship is created, and you pay no commission to us. You are welcome to have your own attorney or licensed agent represent you.

Fill out the offer form on this page or call (239) 686-0823. We will ask for the address, a sense of the condition, whether the property is occupied, and your timing. That conversation usually takes about ten minutes, and there is no cost or commitment involved. The how it works page walks through every step.

We need to see it, but not necessarily in person. Most homes get a single walkthrough of 20 to 45 minutes. If you live out of state, a family member, neighbor or property manager can let us in, or we can tour it together over live video. Commercial properties usually need a site visit plus a review of financial documents.

No. We prefer to see the property as it really is, clutter and all. Cleaning or patching before our visit will not change the offer much, and it costs you time and money you do not need to spend. Leave everything as it is.

None. Requesting an offer is free, and you can decline it, ask questions, or take time to compare it with other options. Nothing is binding until you sign a purchase contract, and we encourage you to have it reviewed before you do.

You will have a single point of contact at Libera Capital Group from the first call through closing, plus the closing team at the title company once you are under contract. You will not be passed among strangers or asked to repeat your story.

Possibly. Your listing agreement may entitle the agent to a commission even if you sell directly, or may require that offers go through the agent. Review the agreement or ask your agent before accepting a direct offer. We are happy to work through your agent if needed.

For most homes, we deliver a written offer within 24 to 48 hours of the walkthrough or of receiving the information we need. Commercial properties can take longer because we review leases and operating statements, but we will give you a timeline at the start.

We estimate what the property would be worth after repairs or lease-up, subtract the realistic cost of that work, and account for our costs to buy, hold, finance and resell, plus a margin for risk. We share the main assumptions so you can see how we reached the number.

Generally yes, compared with what a fully updated version would sell for on the open market. But you also avoid commissions, repairs, concessions and holding costs, so the difference in net proceeds is often smaller than the headline gap. Our cash offer vs. listing guide shows how to compare.

Price, closing date, who pays particular costs, leaving belongings, and post-closing occupancy can all be discussed. Sometimes flexibility on terms lets us improve price. If something about the offer does not work for you, tell us what would.

We do not make offers planning to renegotiate later. The price changes only if we discover something materially different from what was disclosed or observed, such as major hidden structural damage, and if that happens we explain it clearly. You are never obligated to accept a change.

No. There are no commissions, application fees, or service fees. On most deals, we also pay the normal closing costs. The written contract lists exactly which costs each party pays, and the title company’s settlement statement confirms every figure before you sign.

A written cash offer gives you a real, no-obligation benchmark. When an agent estimates your net after commissions, repairs and months of holding costs, you can compare that estimate against a firm number instead of a guess. Some owners list anyway; others realize the gap is smaller than expected and take the simpler route.

We can still look at it. If the payoff is higher than what the property is worth as-is, a sale may require the lender to accept a short payoff, which takes lender approval and more time. We are happy to discuss the numbers, and a Florida attorney can explain options such as a short sale.

When title is clear and the paperwork is straightforward, we can often close in as little as 7 to 14 days. Probate, lien releases, missing signatures or commercial due diligence add time. We can also close later — 30, 60 or 90 days out — if that suits your plans better.

A licensed Florida title agency or real estate attorney acts as the settlement agent. They search title, order payoffs and lien searches, prepare the deed and settlement statement, hold deposits and closing funds in trust, record documents with the county, and disburse your proceeds.

Florida taxes deeds at $0.70 per $100 of the sale price in every county except Miami-Dade, which uses its own rates. By custom sellers often pay this tax, but it is negotiable. Our offers specify who pays doc stamps, and on many deals we cover them as part of the normal closing costs.

Florida property taxes are paid in arrears, so the current year’s taxes are prorated: you are charged for the days you owned the property and the buyer covers the rest. If the year’s bill has not been issued yet, the proration typically uses the prior year’s amount. Any delinquent taxes are paid from proceeds.

Title issues such as old unreleased mortgages, judgment liens, code-enforcement liens or gaps in the chain of title are common and usually fixable. The title company identifies them, and we work together to cure them, often paying liens directly from proceeds. See back taxes and liens.

The title company disburses your net proceeds after closing, usually by wire transfer on the same or next business day, or by check if you prefer. Always confirm wiring instructions by phone with the title company at a number you know is genuine, since wire fraud schemes target real estate closings.

Generally yes. Every owner on the deed must sign, and if the property is a Florida homestead, a spouse usually must join in the deed even if not on title. Personal representatives, trustees and company managers sign with proof of authority. The title company confirms exactly who needs to sign early in the process.

Single-family houses, condos, townhomes, mobile and manufactured homes on land that is part of the sale, and duplexes through fourplexes. Age, style and condition do not matter. Details are on our sell my house fast page and the single-family homes guide.

Yes. Roof age is one of the most common reasons Florida homes struggle to sell to financed buyers, because lenders require insurance. Since we pay cash, an uninsurable roof does not prevent the sale. We include replacement in our calculations.

Yes. Florida’s milestone inspection and structural reserve requirements have led many associations to levy assessments. We buy units in those buildings and handle the assessment through the estoppel process at closing. See condos and townhomes.

Our focus is manufactured homes on land that is included in the sale. Homes on rented lots in a park involve park approval and different title rules, so we review them case by case. Learn more on our mobile and manufactured homes page.

Yes. Take what matters to you and leave the rest. We handle removal after closing. If you need extra time to sort through belongings, we can build that into the closing date or agree to a short post-closing period.

We buy them regularly, particularly in areas like northern Cape Coral, Lehigh Acres and North Port. Private wells and septic systems are factored into our evaluation rather than made a contingency, and outstanding utility assessments can typically be paid at closing.

Yes. We buy rentals with leases in place and honor those leases after closing. You will provide copies of the lease and deposit records so the deposit transfers correctly and rent is prorated. Your tenants simply start paying the new owner. See our tired landlords guide for more on exiting a rental.

Retail and shopping centers, office buildings, industrial and warehouse, mixed-use, hotels and motels, self-storage, apartment buildings, and mobile home and RV parks. See our commercial property page for details on each.

A current rent roll, a trailing twelve-month operating statement, leases and amendments, tax and insurance bills, service contracts and any existing surveys or environmental reports. We can start with less and request more as we go.

Yes. If your business occupies the building, you can sell it to us and lease it back, keeping operations in place while freeing equity. The purchase and the lease are negotiated together so the terms work for both sides.

Yes. We can set a closing date that fits your identification and exchange periods and cooperate with your qualified intermediary. Whether your sale qualifies for exchange treatment is a question for your CPA or tax attorney.

Yes. We will sign an NDA before you share sensitive information, schedule discreet site visits, and contact tenants only with your permission, typically near the end of due diligence when estoppel certificates are requested.

For most commercial purchases we commission a Phase I Environmental Site Assessment at our own expense. It reviews historical uses and records for potential contamination. Former fuel stations, dry cleaners and some industrial sites may need further study.

Yes. A fully vacant building is priced on what it can become: its location, condition, zoning and the realistic time and cost to lease or reposition it. Former restaurants, retail boxes, small office buildings and motels are all candidates. See distressed commercial property.

Yes. We buy storm-damaged homes and buildings at every stage: untouched since the storm, partially gutted, or mid-repair. You can sell before or after your claim settles; the contract states how claim proceeds are handled. If repairs could trigger FEMA’s 50% substantial-damage rule, we factor that in. See hurricane and flood damage.

A sale that closes before the foreclosure sale date can pay off the loan and end the case, potentially preserving equity. Because Florida forecloses through the courts, there is often time to act, but deadlines matter. Contact a Florida attorney about your rights, and see foreclosure and pre-foreclosure.

Usually a personal representative needs authority from the probate court before signing a deed, but you can talk with us and even sign a contract that closes once authority is granted. Small estates may qualify for summary administration. Your probate attorney will advise. See inherited and probate property.

Both owners typically sign the contract and deed, and proceeds are divided at closing according to your agreement or court order. A quick, as-is sale can reduce disputes over repairs and showings. Coordinate with your attorneys. See selling a house in divorce.

Yes. We buy occupied homes and buildings, including those with tenants who are behind or holding over. We take over the landlord role at closing, and you avoid starting or finishing an eviction yourself. See problem tenants.

Yes. Enclosed porches, garage conversions, open permits and accruing code fines are all things we handle. Liens can be paid from proceeds, and we resolve the underlying issues after closing. See code violations and unpermitted work.

Yes. Fire, smoke and water damage, long-vacant homes and abandoned commercial buildings are all within what we buy, as long as a structure remains. See major repairs and fire damage and vacant property.

All of Florida. Our home market is Southwest Florida — Lee, Collier, Charlotte, Sarasota, Hendry, Glades and DeSoto counties — and we also buy across Tampa Bay, Central Florida, South Florida, the Atlantic coast, North Florida and the Panhandle. See the Florida locations hub.

Every city and community in the region, including Cape Coral, Fort Myers, Lehigh Acres, Estero, Bonita Springs, Naples, Punta Gorda, Port Charlotte, Sarasota, North Port, LaBelle, Clewiston, Moore Haven and Arcadia. The Southwest Florida page covers the whole region.

Yes. Island properties often face the most complex recovery issues after storms, including substantial-damage determinations and elevation requirements. We evaluate them carefully and buy damaged, rebuilt and untouched properties alike.

Yes. Hendry, Glades and DeSoto counties are part of our home region. We buy older homes, manufactured homes on land, and small-town commercial buildings that larger buyers often overlook.

Yes. Our location pages cover the areas we see most often, but we review properties anywhere in Florida. Call or submit the form, and we will tell you quickly whether it is a fit.

Libera Capital Group does not. We buy houses and improved commercial property only. Vacant lots, acreage and raw land in Florida are purchased by our land division, SWFLLand.com.

Tell us about everything you own. We can make an offer on the improved property, and SWFLLand.com can evaluate the separate lots, coordinating so you are not managing two unrelated processes.

If there is a building, even one that needs to be demolished, reach out to us first. We will look at it and, if it is really a land deal, connect you with SWFLLand.com.

When you sell to Libera Capital Group, we pay the normal closing costs, so you don’t pay commissions or our title and closing fees. Your payoff of any mortgage, liens, unpaid property taxes and HOA or condo balances still comes out of your proceeds, and every figure appears on the settlement statement before you sign. Ask us to put the cost split in writing with the offer so you can compare it to other buyers.

Ask whether the company is the actual buyer, whether it closes through a licensed Florida title company and whether it will show proof of funds. Libera Capital Group buys as a principal, our principals are licensed real estate brokers, and we close through an independent title company that holds the money in escrow. Be cautious of anyone who asks you for upfront fees, pressures you to sign that day or plans to assign your contract to someone else without telling you.

It depends on the house and your timeline: listing usually brings the highest price for a move-in-ready home, while a cash sale often nets more when repairs, storm damage or months of carrying costs are involved. Compare the net, not the headline price, after commissions that often total 5–6%, repairs, concessions and holding costs. We put our math in writing so you can line it up against a listing estimate. See cash offer vs. listing.

Usually yes, if the house is your Florida homestead. The Florida Constitution generally requires a married owner’s spouse to join in the deed for homestead property, even when that spouse is not on title and the two of you live apart. Separation alone doesn’t change that; a final judgment or written agreement might. The title company will confirm the signatures needed, and your family law attorney can explain how your case affects them.

Yes, we send the same written offer to both spouses or both attorneys, with the math showing how we reached the number. That gives you a neutral, documented figure to discuss in negotiation or mediation instead of two competing opinions. Nobody has to accept it, and the offer can stay open while you work things out. If you reach an agreement, we close on the date your settlement allows. Read more about selling a house during a divorce.

Yes, you can sell without traveling to Florida. We gather photos and property details remotely, arrange access through a neighbor, manager or lockbox if we need to see inside, and the title company can send documents for mobile or remote online notarization. Foreign sellers may face FIRPTA withholding on the sale, so confirm your tax situation with a CPA and a home-country tax adviser before closing. Proceeds can be wired to your account.