A direct cash offer puts you in control of your closing date, whether your home is in Brickell, Coconut Grove, Wynwood, or anywhere across Miami-Dade. No repairs, no agent commissions, no open houses.
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The typical listing process works fine when the house is move-in ready, the condo docs are clean, and a buyer with solid financing shows up within a few weeks. That's not most situations. If your property has complications - or your timeline doesn't allow for 109 days on the market - here's where we come in. Every situation below includes a Miami-specific wrinkle that most agents won't tell you about upfront. If you want to understand how to sell your house as-is, read on.
Miami's condo market is unlike anywhere else in Florida. Buildings facing pending litigation, underfunded reserves, or large special assessments often can't qualify for conventional financing at all - meaning your pool of buyers is already limited to cash. On top of that, unpaid HOA dues become a lien on the property that must be resolved at closing. We handle those liens directly so you're not stuck negotiating them yourself. Whether your building is on Brickell Avenue or a smaller mid-rise in Edgewater, we've worked through these title complications before.
An open permit in Miami-Dade doesn't automatically kill a sale - but it creates a title defect that most lenders won't let buyers ignore. Code violation liens can compound quickly, especially on older properties in neighborhoods like Overtown, Liberty City, or parts of Hialeah where housing stock hasn't been updated in decades. Resolving them means hiring contractors, scheduling re-inspections, and waiting on the county. We factor open permits and code violations into our offer rather than asking you to fix them first - then we take on the resolution process ourselves after closing.
Florida runs foreclosures through the court system. That process typically runs 6 to 12 months or longer, starting with a 120-day federal delinquency period before the lender can even file. If you've received a summons or a notice of lis pendens, you're not out of time - but the window narrows as the case progresses. Once the certificate of sale is filed after the auction, Florida's right of redemption closes almost immediately. Selling for cash before the sale date lets you exit with something rather than nothing. If you're behind on payments in Miami-Dade and want to know where you stand, call us at (833) 330-1625 - no commitment required.
Miami homeowners know this math well: wind insurance alone runs $3,000 to $8,000 per year for many properties, and that's before flood premiums or any active damage claim. If your home has storm damage - a compromised roof, impact window failures, water intrusion - carrying those costs while waiting 109 days for a traditional sale is a real financial drain. We buy damaged properties as-is, which means you stop paying premiums on a house you're trying to get out of. No repairs, no adjuster waiting game, no listing contingencies tied to insurance resolution.
When a property passes through an estate in Florida, selling it usually requires court involvement. A personal representative is appointed to manage the estate and sign the deed, and in formal probate the court may need to approve the sale itself. Simplified summary administration is available for smaller qualifying estates. If you've inherited a home in Coconut Grove, West Miami, or elsewhere in Miami-Dade and the estate hasn't been settled, we can work with your probate attorney and timeline - you don't need to have everything resolved before you talk to us.
A Hialeah rental with a non-paying tenant and three open code violations is a different conversation than a clean single-family home. We buy landlord-owned properties in exactly that condition. Florida eviction law requires proper notice and court process regardless of circumstances, and a code lien from Miami-Dade can follow the title if not handled at closing. We account for all of it in our offer rather than asking you to clear the slate first.
Miami prices are high by almost any national comparison - and they've kept climbing, up roughly 4.5% year-over-year. But high prices and fast sales are two different things. The average Miami home sits on the market for about 109 days from listing to close, which means sellers who need to move in weeks, not months, are essentially waiting out a process that doesn't serve them.
Miami draws buyers from across the U.S. and internationally - finance professionals anchored in the Brickell and Downtown financial districts, investors tracking Wynwood and Edgewater's mixed-use growth, and end-users drawn to neighborhoods like Coconut Grove, Coral Way, and Upper Eastside. That demand base keeps prices elevated even as market timelines stretch out. Miami's economy runs on finance, trade, and tourism, and those sectors sustain housing demand in ways that insulate prices from short-term softening.
The catch is that 109-day average. During that window you're still carrying insurance - often $3,000 to $8,000 per year in wind premiums alone for coastal properties - plus property taxes, HOA fees, and any deferred maintenance. For a home priced at the city's median, those carrying costs can add up to $15,000 to $25,000 before you even reach closing. A cash offer at a discount starts looking different when you factor that math in. Prices do vary by neighborhood - Brickell and Coconut Grove command premiums well above the city median, while parts of Overtown, Liberty City, and areas of Hialeah sit in different price bands. We look at actual comparable sales for your specific address, not a citywide average.
The process is straightforward, but Miami-Dade has a few county-specific steps that are worth knowing before you commit to anything. Here's exactly what happens when you reach out to us. For a full walkthrough, see how our cash buying process works. You may also find this Miami home buying guide and steps useful for understanding local transaction norms.
Submit the short form or call us at (833) 330-1625. Hablamos español - if you prefer to speak in Spanish, just let us know when you call. We'll ask a few basic questions about the home's condition, any liens or HOA arrears, and your timeline. You don't need to track down documents at this stage - we just need a starting picture.
We pull comparable sales for your specific address, factoring in the neighborhood, condition, and any title complications like open permits or condo association liens. You'll receive a written cash offer typically within 24 hours. There's no obligation to accept - if the number doesn't work for you, there's no pressure. Our offer accounts for Miami-Dade's documentary stamp tax, which by local custom is typically paid by the seller and runs roughly $0.70 per $100 of sale price - we fold that into our numbers so there are no surprises at the table.
In Florida, closings are handled by a licensed title company or settlement agent - not an attorney - and that's exactly how we proceed. We work with established Miami-Dade title companies who know the county recording process, the documentary stamp tax allocation, and how to clear common title issues like open permits or HOA liens before the closing date. The title search in Miami-Dade typically takes 5 to 10 business days for a straightforward property. Once clear, we can close in as few as 7 to 14 days, or on a date that fits your situation. You receive payment at closing through the title company's escrow process - no waiting on wire transfers or contingencies.
One thing worth knowing: even in a cash, as-is sale in Florida, sellers are required to disclose known material defects - things like roof condition, water intrusion history, mold, or foundation issues that aren't obvious on a walkthrough. We don't ask you to fix anything, but we do ask that you're upfront about what you know. That honesty protects you legally and keeps the transaction clean on both sides.
The headline number on a listing looks bigger than a cash offer. But Miami closings carry costs that most sellers don't see coming until the settlement statement arrives. Run the actual math before deciding which path fits your situation.
| Cost or Factor | Eagle Cash Buyers | Traditional Listing | iBuyer |
|---|---|---|---|
| Agent commissions | ✓ None | 5-6% of sale price - roughly $34,500-$41,400 on a $690K home | Typically 5-8% in service fees |
| Repairs before sale | ✓ None required - we buy as-is | Typically $5,000-$30,000+ for Miami homes with deferred maintenance, storm damage, or dated systems | Most iBuyers deduct repair costs from offer or require fixes |
| Florida documentary stamp tax (Miami-Dade) | ✓ Factored into our offer upfront - no surprise at closing | Seller typically pays ~$0.70/$100 of sale price by local custom - roughly $4,830 on a $690K sale | Allocated per contract - often still borne by seller |
| HOA arrears and condo association liens | ✓ We work directly with the association and title company to resolve | Must be paid or negotiated before or at listing - often blocks financing entirely | iBuyers often decline properties with HOA litigation or large arrears |
| Condo financing restrictions | ✓ Not an issue - cash purchase bypasses lender approval entirely | Buildings with low owner-occupancy rates, pending litigation, or underfunded reserves can't qualify for FHA or conventional loans - limits buyer pool severely | iBuyers typically won't buy condo units at all |
| Time to close | ✓ 7 to 21 days typical | 109-day average in Miami - over 3 months of carrying costs | 30-45 days typical, but only for properties they accept |
| Financing contingency risk | ✓ None - no lender involved | Buyer financing falls through in a significant share of Miami contracts - especially in condos and older homes | No financing contingency, but service fee and repair deductions can shift outcome significantly |
| Wind and flood insurance during sale period | ✓ You stop paying the day we close | 109 days of premiums - easily $1,500-$3,500 in added carrying costs during listing | Same exposure applies during their 30-45 day process |
Eagle Cash Buyers is a cash home buyer operating across Florida, including Miami-Dade County. We've purchased homes in all conditions - from properties with open permits and condo association complications to estates in probate and houses with active code violations. We're not a wholesale list service or an algorithm - when you call us, you reach someone who knows the Miami market and can walk you through the process in plain terms. Sell my house fast in Florida - that's exactly what we help with, from Miami-Dade to counties across the state.
If Spanish is easier for you, we have Spanish-speaking team members available. Miami's homeowner community is multilingual, and we believe you should be able to ask questions and understand your offer in the language you're most comfortable with.
We buy homes throughout Miami-Dade County - from high-rises in Brickell and Edgewater to single-family homes in Coral Way, West Miami, and Coconut Grove. Wynwood and Upper Eastside properties with older housing stock and mixed-use complications are well within our scope. If your home is in Miami proper or in a nearby city, we can likely make you an offer. Pricing does vary across neighborhoods - Brickell and Coconut Grove typically command higher prices, while areas like Overtown and Liberty City sit in different bands - and we look at real comparable sales for your specific street, not just a citywide average.
Miami Neighborhoods We Serve
ZIP Codes
We Also Buy Houses in Nearby Cities
Hablamos español. If you're a Spanish-speaking homeowner in Miami-Dade and want to walk through your options in Spanish, just let us know when you call. Our team can answer your questions in the language that's most comfortable for you.
The traditional market in Miami isn't broken - it's just slow. If your situation doesn't give you three-plus months to wait, a cash offer gives you a closing date you can plan around, no repairs to schedule, no HOA arrears to negotiate on your own, and no financing contingency to derail the deal at the finish line. There's no obligation to accept what we send you. See the number, ask questions, then decide.
Get Your No-Obligation Miami Cash Offer Or call us directly: (833) 330-1625No agent fees. No repairs. Close on your schedule. Offer is no-obligation and free.
Your Questions Answered
From judicial foreclosure timelines to condo association liens, Miami has property complications that generic cash buyer FAQs never touch. We do. See also: Miami Realtors professional association for additional local market context.
Yes - we buy in every Miami neighborhood. That includes Wynwood, Overtown, Upper Eastside, Edgewater, Liberty City, Little Havana, Coconut Grove, Brickell, Coral Way, Midtown Miami, and Downtown. We also cover nearby cities like Hialeah, Doral, North Miami, Coral Gables, and Miami Beach.
Older housing stock in Overtown and Liberty City, mixed condo and single-family blocks in Wynwood and Upper Eastside, waterfront properties in Coconut Grove - we've seen all of it. The neighborhood shapes the offer, but it never disqualifies the property.
Florida uses a court-supervised foreclosure process, which is slower than non-judicial states. Federal servicing rules require lenders to wait at least 120 days after a missed payment on a primary residence before filing. Once they file, the case moves through the Miami-Dade circuit court - service, hearings, a final judgment, and a scheduled sale date. That process typically runs 6 to 12 months or longer depending on court backlog and whether you respond to the suit.
Here's the critical detail: once the foreclosure sale happens and the clerk files a certificate of title, your right to redeem the property ends very quickly. You cannot buy the home back after that point. A cash sale before the sale date lets you exit on your terms, pay off the mortgage balance, protect any remaining equity, and avoid a foreclosure on your record.
If you've received a foreclosure filing, call us now. Time is the variable you can still control.
This is exactly where a cash buyer makes the most sense. Conventional lenders routinely reject condo units in buildings with significant deferred maintenance reserves, pending litigation, or special assessments over certain thresholds - which blocks out the majority of retail buyers in Miami's condo market.
Because we buy with cash and don't need lender approval, none of those building-level issues prevent the sale. HOA arrears owed by the seller are typically resolved at closing out of sale proceeds. A pending special assessment may factor into our offer calculation, but it won't kill the deal. If your condo has been sitting on the market because buyers keep losing financing, call us - that's a problem we solve directly.
Open permits and code violation liens recorded against a Miami-Dade property show up in the title search before closing. They have to be addressed - they don't just disappear. The question is how they get resolved.
In most cash sales we handle, there are two paths: the lien is paid off at closing from the seller's proceeds, or we negotiate a reduced payoff with Miami-Dade County or the relevant municipality directly. We've worked through open permit situations before and know the county's process. You don't need to hire a contractor and finish the work before you sell - but you do need to be upfront with us about what you know is outstanding so we can factor it in accurately.
Florida is a title-state. A licensed title company or settlement agent - not a real estate attorney - manages the closing, conducts the title search, issues title insurance, and handles the county recording of the deed. That's standard practice for cash transactions across Miami-Dade.
The title search and lien search for Miami-Dade properties typically takes 5 to 10 business days depending on the property history and whether there are items to clear. Once the title work is clean, we can schedule the closing and fund within days. From first contact to keys in hand, most sellers close in 14 to 21 days. If you need faster, tell us - we've closed in under two weeks when it mattered.
Florida charges a documentary stamp tax on every real estate deed transfer - it's essentially a state transfer tax calculated at $0.70 per $100 of the sale price statewide, but Miami-Dade has an additional surtax that brings the total to $0.60 per $100 for the surtax alone on top of the standard rate. On a $400,000 sale, that adds up to a real number.
By custom in Miami-Dade, the seller pays the documentary stamp tax on the deed. That's the local norm, but it's not a fixed legal requirement - the purchase contract can allocate it differently. When we make you an offer, we walk through all closing cost line items so you know exactly what you'll net, including the doc stamp. No hidden deductions at the table.
No. We buy Miami properties as-is, which means the condition you're in right now is the condition we buy in. Roof damage, water intrusion, outdated kitchens, storm-damaged windows, old electrical - none of that needs to be fixed before closing.
One honest note: Florida law requires sellers to disclose known facts that materially affect property value and aren't obvious to a buyer - this applies even in as-is cash sales. That includes things like known roof leaks, mold, or foundation problems. Disclosing what you know protects you legally and keeps the deal from falling apart later. We're not going to walk away because the house needs work - that's what we do.
Wind and hurricane insurance in Miami can run $3,000 to $8,000 a year or more depending on the home's age, construction type, and location. If your property has storm damage on top of that, you're paying to carry a problem rather than solving it.
Storm damage - roof damage, water intrusion, broken openings - factors into our offer because it affects what we'll need to invest after purchase. But it doesn't disqualify the sale. Selling as-is stops the insurance clock immediately and ends the monthly carrying cost that compounds the longer you wait. With the Miami market averaging 109 days to sell traditionally, that's a lot of premiums paid before you ever close.
Yes. Miami is a majority Spanish-speaking market and we work with sellers in both English and Spanish throughout the process - from the initial call through closing. If you'd prefer to discuss your situation in Spanish, just let us know when you call or submit your information. Hablamos espanol.
We start with the after-repair value - what the home would sell for in good condition in its specific Miami neighborhood. Brickell and Coconut Grove values sit in a different range than Overtown or West Miami, and we use recent comparable sales rather than city-wide medians to be accurate.
From that value, we subtract estimated repair and renovation costs, closing costs, holding costs, and a margin that allows us to make the transaction work as a business. What's left is your offer. We'll walk you through each line item when we present it - you're never left guessing where a number came from.
Yes, and this comes up often in Miami. If the property was owned solely in the deceased person's name, Florida probate is typically required before the estate can transfer or sell it. A personal representative gets appointed by the court and signs the sale deed on the estate's behalf. Simplified summary administration is available for smaller qualifying estates and moves faster than full probate.
We've worked alongside probate attorneys and estate representatives on inherited Miami properties before. We're not in a hurry to pressure you out of a fair price, and we understand the process takes some time on the legal side. Reach out early - the sooner we can assess the property, the better we can help you plan the timeline.
None. You get a cash offer, you review it, and you decide. There's no contract to sign just to receive an offer, no fee to request one, and no pressure to accept. If the number works for you, great. If it doesn't, you walk away without owing us anything.