| Payment | Cash purchase; no buyer mortgage approval | Buyer may use financing, subject to lender approval and appraisal |
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| Closing speed | Fast closing targeted, subject to title work and state requirements | Marketing time plus the buyer’s due-diligence and financing period |
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| Closing costs | I pay all closing costs where state law permits | Allocation is negotiated; seller costs may apply |
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| Commission | No agent commission in my direct purchase | Agent commission is typically included in the seller’s transaction costs |
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| Preparation | No listing photos, signs, showings, or seller marketing | Property information, marketing, inquiries, and negotiations |
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| Offer process | A clear written offer based on the individual property | Asking price and final terms depend on market response and buyer negotiations |
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| Best fit | Owners prioritizing certainty, speed, and simplicity | Owners prepared to manage marketing, inquiries, and buyer financing |
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