Sell Your Tampa House As-Is, Without Fixing Anything
We buy houses in Tampa for cash, in whatever condition they are in. You put in the address, you get a number within 24 hours, and if it works you pick the closing date — usually 7 to 14 days out. No repairs, no showings, no commission, no closing costs.
The reason people call us in Tampa specifically is usually not the house. It is the insurance.
The short version
The average Tampa house takes around 102 days to sell the normal way. A cash sale closes in 7 to 14 days, as-is. But if your house is insurable, undamaged, and you can wait out those 102 days — use an agent. You will net more, and Florida’s insurance market has recovered enough that most houses now can.
The Real Reason Tampa Houses Get Stuck
You have read that Florida’s insurance market is in crisis. That was true, and it is now mostly over — which almost nobody selling a house here has been told. Citizens, the state-backed insurer of last resort, held about 1.4 million policies at its 2023 peak. It started 2026 with roughly 395,000. Seventeen new carriers have come into the state and dozens filed rate decreases in 2025.
Here is the part that matters to you: the recovery is selective. Those new carriers are competing hard for the house with the newer roof and a clean claims history. They are not competing for the twenty-year roof with an open Milton claim. So the market average improved while that specific house got relatively harder to sell — everyone else got easier to insure, and it did not.
Here is why that turns into a stuck sale: a buyer who needs a mortgage needs insurance. No lender closes a loan on an uninsurable house. So the moment a house becomes hard to insure — an older roof, prior water intrusion, an open claim, a wind-mitigation report the carrier does not like — the mortgage buyer pool for that house quietly disappears. The listing sits. Everyone blames the price.
It was never the price. It was the insurance.
Cash buyers do not need a lender, and do not need a policy to close. That is the entire mechanism, and it is why cash sales are a bigger share of the market here than in most of the country.
What We Buy in Tampa
Houses across Hillsborough County and the wider Tampa Bay area — Seminole Heights, Ybor City, Sulphur Springs, Town ‘N’ Country, Temple Terrace, Carrollwood, Riverview, Brandon, Palma Ceia, Westchase, Port Tampa, and the surrounding neighbourhoods. Condos and townhouses too.
The situations that come up here most often:
- Storm damage. Helene and Milton, in 2024, did real damage across Tampa Bay. Some of it is still not repaired — contractors booked out, claims disputed, deductibles nobody had.
- An older roof. In Florida a roof is not just a roof. It is the thing the insurance decision hangs on, and past a certain age carriers stop writing the policy.
- Flood zone. Large parts of the county are in a FEMA flood zone. Flood insurance costs, and it is separate from the homeowners policy.
- Condo assessments. After Surfside, Florida law requires milestone inspections and structural integrity reserve studies for older condo buildings. Owners have been hit with special assessments they cannot pay, on units that are now hard to sell.
- Inherited property. Common here — a parent’s house, held out of state, sitting empty and still insured.
If your house has any of these, you are not an edge case in Tampa. You are the normal case.
Foreclosure in Florida Moves Slower Than You Think
If you are behind on payments, the most useful thing to know is that Florida is a judicial foreclosure state. Your lender cannot just post a sale date. They have to file suit and take you to court, and that takes a long time — often the better part of a year, sometimes longer.
That matters for two reasons. First, you probably have more room than you have been told. Second, that room is not infinite, and it does not start over: once a judgment is entered and a sale date is set, the window closes fast.
This is genuinely different elsewhere. In Tennessee or Texas, both non-judicial states, a lender can move to a trustee’s sale in a matter of weeks without a courtroom. If you have been reading generic advice written for those states, it does not apply to you here.
You can sell right up until the sale. If there is equity, selling before the auction protects it. If you want the detail, we wrote about selling before foreclosure closes the window.
When You Should Not Sell to Us
If your Tampa house is in good shape, currently insurable, and you can wait roughly three months — list it with an agent. Tampa is a real market with real buyers, and a clean, insurable house will find one. Even after commission you will very likely net more than our offer. We will tell you that on the phone.
Our offer earns its keep when the normal path is closed: the house will not insure, the roof is gone, there is unrepaired storm damage, the assessment is due, probate is dragging, or the clock is the problem. Then the question is not “who pays the most in theory” — it is “who actually closes.”
What You Are Not Paying
The comparison people forget is not offer-vs-offer. It is offer-vs-net.
| Listing with an agent | Selling to us | |
| Agent commission | Typically 5–6% of the sale price | None |
| Repairs before sale | Usually required to get financed | None — we buy as-is |
| Closing costs | Yours to negotiate | We cover them |
| Time to close | ~102 days on average in Tampa | 7–14 days, your date |
| Carrying costs meanwhile | Mortgage, insurance, taxes, utilities | Stop at closing |
| Risk the deal collapses | Financing and insurance can kill it late | No lender, no appraisal |
How It Works
Three steps, and you can stop at any one of them.
- Put the address in. That is all we need to start.
- We look at the house and the market, then give you a number within 24 hours. If there is damage or an insurance issue, tell us — it does not disqualify anything, it just changes the maths.
- You pick the closing date. 7 to 14 days is typical. Longer is fine if you need to line up somewhere to go.
There is no obligation at any step, and no one is going to hound you. We have bought more than 100 houses; we are not short of things to do.
Common Questions About Selling Fast in Tampa
How fast can I actually sell my house in Tampa?
An offer within 24 hours of us getting the address, and closing in 7 to 14 days. Compare that with roughly 102 days for an average Tampa sale on the open market, and that is before you count repair time.
Will you buy a house with hurricane or storm damage?
Yes. Unrepaired storm damage is one of the most common reasons people call us in Tampa Bay. You do not need to fix it, tarp it, or finish the claim first.
What if I can’t get insurance on the house?
That is exactly the situation where a cash sale works and a normal listing does not. We do not need a policy to close, because we do not need a lender.
Do you buy condos with special assessments?
Yes. Tell us the assessment amount up front — it affects the number, but it does not stop the sale.
Can I sell if I’m behind on payments?
Yes, right up until the foreclosure sale. Florida’s judicial process usually gives you more time than owners expect, but do not wait for the judgment.
Do I have to clean the house out?
No. Take what matters to you and leave the rest.
Is there any fee?
No. No commission, no closing costs, no fees. Sometimes we buy the house ourselves; sometimes the best buyer for it is someone else in our network and we bring them to you. Either way you pay nothing and you are under no obligation.
Get a Number on Your Tampa House
Put the address in at the top of this page and you will have an offer tomorrow. Or call (615) 780-7349 and ask first — including asking whether you would be better off with an agent. Sometimes the answer is yes, and we will say so.
Nearby and related:
selling as-is,
selling an inherited house,
cash buyer vs agent vs iBuyer,
why people sell to a cash buyer.