Reasons Why Cash House Buyers Are Increasing in Popularity
Updated: Mar 10
Cash home buyers have become an increasingly popular choice in the real estate market. When it comes to selling a home, homeowners are now considering cash buyers as their preferred option.
In this blog, we will explore the concept of cash home buying, the reasons behind its popularity, and the benefits it offers both buyers and sellers. We will also address common misconceptions and compare them with the traditional real estate agent process.
Understanding Cash Home Buyers
Before delving into the specifics, let’s first understand what cash home buyers are. Cash buyers are individuals or companies who purchase properties outright using cash, without relying on mortgage financing. This allows them to skip the lengthy underwriting process and appraisal requirements typically associated with traditional home sales. Cash home buyers offer sellers the convenience of a hassle-free selling experience, skipping the need for mortgage lenders, and providing quicker and more certain sales.
The Concept of Cash Home Buying
Cash home buying involves the purchase of properties entirely with cash. Unlike traditional home buyers, cash buyers eliminate the need for mortgage loans, offering sellers a streamlined and faster selling process. With cash offers, there is no reliance on mortgage approvals, making transactions less susceptible to delays or deal-breaking contingencies.
One essential aspect of cash home purchases is proof of funds. Cash house buyers must provide documentation certifying their ability to purchase the property outright. This proof of funds can come in the form of bank statements, investment account balances, or cashier's checks. Sellers value this proof of funds, as it ensures the buyer's ability to complete the transaction.
The real estate market also plays a role in the popularity of cash home buyers. In competitive markets, where multiple buyers are vying for limited inventory, cash offers offer sellers a significant advantage. Sellers are often inclined to accept cash offers over financed offers, as they provide confidence in faster and more certain sales.
Popularity of Cash Home Buyers in the USA
Cash home buyers have gained popularity in the real estate market, particularly in the United States. According to the National Association of Realtors (NAR), cash home purchases accounted for approximately 20-30% of all home sales in recent years.
Cash home buyers are prevalent in metropolitan areas, where competitive real estate markets drive up prices and create bidding wars. In these areas, cash buyers offer sellers the potential for quicker closing times and more favorable terms compared to financed buyers. The quick and certain nature of cash sales appeals to sellers, especially those facing financial urgency or looking for a hassle-free selling process.
The preference for cash buyers is also influenced by market conditions. In seller's markets with low inventory, cash buyers often stand out amongst multiple offers, giving sellers confidence in a smooth and expedited sales process. Additionally, cash home buyers can offer sellers the flexibility to close on their timeline, further enhancing the appeal of cash transactions.
The Frequency and Commonality of Cash Deals
Cash deals, though relatively common, make up a smaller percentage of overall home sales compared to financed purchases. The frequency of cash deals depends on various factors, including mortgage rates, home prices, and market conditions.
How Often Are Homes Sold for Cash?
According to the National Association of Realtors (NAR), cash purchases accounted for roughly 20-30% of all home sales in recent years. However, these percentages can vary from year to year and by region. Last year, the market experienced a surge of cash buyers due to lower interest rates, competitive market conditions, and the desire to secure properties quickly amidst market uncertainties.
Cash sales tend to increase during periods of high buyer demand, low mortgage rates, and a competitive real estate market. Homes sold for cash are often in high demand, and sellers may receive multiple cash offers, allowing them to choose the best deal.
What Types of Homes Are Sold for Cash?
Homes sold for cash vary in type, depending on different factors such as market conditions, location, and seller motivations.
Cash buyers frequently target distressed properties, including foreclosures or homes in need of renovations. These properties may be sold at a lower price, making them attractive to cash buyers looking for potential value appreciation.
Another common type of home sold for cash is one with title issues or liens that may complicate financing and prolong the closing process. Cash buyers, unburdened by lender requirements, can navigate these title complexities more easily.
In some cases, homeowners may choose cash house buyers for properties of high value, such as luxury homes or those with unique features not easily appraised. Cash buyers are often more willing to make substantial purchases without relying on appraisals, allowing homeowners to sell their properties at competitive prices.
Additionally, homes in hot real estate markets with bidding wars may attract cash buyers. Cash offers, with their quick process and certainty of funds, stand out among other offers, making them a preferred choice for sellers in highly competitive markets.
Also Read: Best and Worst Months to Sell a House
Advantages for Buyers to Pay Cash
Paying cash for a home offers several advantages for buyers. By eliminating the need for a mortgage loan, cash buyers benefit from a faster closing process, reduced paperwork, and potential cost savings.
Gaining a Negotiating Edge
One advantage of paying cash is the negotiating edge it provides buyers. Cash buyers can offer sellers a simplified transaction process without the need for financing contingencies, such as loan approvals or appraisals. This favorable position often allows cash home buyers to negotiate more effectively, potentially securing a lower purchase price compared to financed buyers.
In competitive real estate markets with multiple potential buyers, cash offers can stand out, giving cash buyers an advantage over buyers relying on financing. Sellers may be more inclined to accept cash offers, especially if they come close to or exceed their asking price, providing cash buyers with a stronger negotiating position.
Saving Money with Cash Deals
Purchasing a property with cash can lead to significant cost savings for buyers.
Here are some ways cash buyers can save money:
Avoiding lender fees: Cash buyers eliminate the need for loan origination fees, application fees, and lender charges typically associated with financed purchases.
Lower property taxes: Without a mortgage, cash buyers may be exempt from escrowed property tax payments, reducing ongoing costs.
No mortgage insurance: Cash buyers do not need to pay mortgage insurance premiums, which can add significant costs.
Saving on title policy: Cash buyers can save money by negotiating discounted title policy rates, as they are not required by lenders.
Lower closing costs: Cash buyers may have fewer closing costs, as they can avoid some lender-required fees, such as appraisal fees and mortgage underwriting costs.
Equity Benefits in Cash Transactions
Purchasing a home with cash offers buyers valuable equity benefits right from the start.
Here are some of the advantages of cash transactions:
Immediate equity: With a cash purchase, buyers instantly gain equity in the property, as they own it outright. This immediate equity can provide financial stability and serve as a solid foundation for future real estate investments.
Lower loan-to-value ratio: By avoiding mortgage financing, cash buyers start with a lower loan-to-value ratio, meaning they have less debt relative to the property value. This lower ratio provides financial security and reduces mortgage-related risks.
Faster equity growth: Cash buyers can build equity faster compared to those with financed purchases. Without mortgage interest and loan principal payments, more of the property's value contributes to increasing the buyer's equity position.
Leveraging opportunities: Cash buyers have the advantage of utilizing their property's equity for future investments or upgrades, potentially leveraging their real estate portfolio to achieve further financial goals.
Benefits of Selling a Home for Cash
Selling a home for cash offers numerous benefits for homeowners. From faster closing times to simplifying the selling process, cash sales provide sellers with advantages over traditional financing methods.
Fast Closures with Cash Offers
One of the primary benefits of selling for cash is the potential for faster closing times. Cash house buyers can often complete the transaction process quicker than buyers relying on mortgage financing.
Here's why cash sales lead to fast closures:
Simplified closing process: Cash sales typically involve less paperwork, documentation, and lender requirements, streamlining the closing process.
Immediate funds: Cash buyers provide sellers with immediate payment, usually in the form of a cashier's check or wire transfer. This eliminates potential delays associated with lender disbursements and loan funding processes, ensuring a swift closing.
No appraisal contingencies: Cash offers often result in the removal of appraisal contingencies, eliminating potential delays caused by discrepancies between the property's appraised value and the agreed-upon purchase price.
Faster title transfer: With cash sales, there is no need to wait for mortgage underwriting or lender-approved title transfers, accelerating the closing process.
Lower Risks Involved in Cash Sales
Selling a home for cash can significantly reduce the risks typically associated with financed sales, benefiting sellers in several ways:
Fewer contingencies: Cash buyers, not reliant on mortgage financing, often require fewer contingencies, such as home inspections or financing approvals. This reduces the chances of the deal falling through due to contingencies.
Avoiding appraisal issues: In cash sales, appraisal contingencies can be removed, avoiding potential complications arising from low appraisals. Sellers can sell their homes based on tangible market value, rather than relying on appraisal outcomes.
Eliminating mortgage lender contingencies: Cash sales remove the risks of financing-related contingencies, such as mortgage underwriting delays, lender documentation requests, and loan approval uncertainties. Deals are less likely to fall through due to lender-related issues.
Minimizing buyer financing risks: The absence of buyer financing reduces the chances of loan denial, credit score issues, or loan disbursement delays, providing sellers with more certainty and security in the sales process.
Reduced buyer contingencies: Buyers paying cash often have fewer contingencies, leading to smoother transactions, less hassle, and fewer opportunities for the deal to fall through.
Reducing Stress with Cash Deals
Selling for cash can alleviate stress throughout the selling process, offering homeowners a more straightforward and hassle-free experience.
Here's how cash deals reduce stress:
Simplified selling process: Cash sales involve less paperwork, documentation, and lender coordination, reducing the administrative burdens sellers face during the selling process.
Avoiding renovations: Cash buyers often purchase homes in their current condition, reducing the need for time-consuming and costly renovations homeowners might have otherwise undertaken to attract financed buyers.
No home showings: Cash buyers may be more willing to purchase properties without multiple showings and open houses, sparing sellers the inconvenience of constantly preparing their homes for potential buyers.
Minimizing selling process duration: Cash buyers, with streamlined closing processes, offer homeowners faster sale timelines, reducing the time, effort, and uncertainty commonly associated with selling a home.
Reducing potential buyer financing complications: Dealing with cash buyers eliminates the stress caused by potential buyer financing issues, such as loan denials, documentation problems, and appraisal disputes, giving sellers peace of mind throughout the transaction.
Overcoming Challenges in Traditional Home Selling
Traditional home selling often comes with its fair share of challenges. From mortgage applications to the underwriting process, homeowners can face various hurdles in the traditional real estate agent process.
Saving on Repair Costs with Cash Offers
One challenge cash buyers can help sellers overcome is saving on repair costs.
Here's how cash home buyers offer cost-saving solutions:
Accepting homes in their current condition: Cash buyers typically purchase homes "as-is," removing the need for sellers to invest time and money in renovations or upgrades in preparation for sale.
Minimizing pre-sale repairs: Cash buyers often don't require sellers to make extensive repairs before closing, reducing the seller's expenses and time spent on renovations.
Avoiding buyer-requested upgrades: In financed sales, buyers may request upgrades or renovations as contingencies for closing the deal. Cash buyers, however, are often more willing to purchase properties without such demands, saving sellers money and effort.
Skipping Lengthy Paperwork
Selling to cash buyers offers another advantage in bypassing lengthy paperwork, reducing the administrative burden for homeowners:
Streamlined documentation process: Cash sales generally involve less paperwork than traditional financed sales, simplifying the transaction process for both buyers and sellers.
Avoiding mortgage underwriting: Cash sales remove the need for mortgage underwriting, which often entails extensive documentation requirements, lender coordination, and potential delays. Sellers can avoid the time-consuming underwriting process and potential last-minute complications that may arise in financed sales.
Simplified paperwork: With cash buyers, the paperwork involved in closing the sale is often less complex, allowing sellers to bypass time-consuming tasks such as mortgage application documentation, loan disclosures, and lender-required paperwork.
Also Read: Do You Pay Taxes When You Sell a House?
Avoiding Marketing and Showings Hassles
Another challenge cash buyers can help homeowners overcome is the hassle of extensive marketing efforts and showings:
Reduced need for open houses: Cash buyers, with more readily available funds, may not require sellers to hold open houses, minimizing disruptions to the seller's daily life and potential property damage risks.
Streamlined showings process: Dealing with cash buyers can simplify the showings process, as there may be fewer showings required compared to traditional sales, resulting in less intrusion on the seller's privacy and less time spent preparing the property for showings.
Avoiding real estate agent fees: Selling to cash buyers can eliminate the need for real estate agents, sparing sellers from commission fees associated with traditional agent-assisted sales. By avoiding these fees, homeowners save money and increase their bottom line.
The Financial Implications of Cash Home Buying
Cash home buying has various financial implications, both for buyers and sellers. Understanding these implications can help homeowners make informed decisions when considering cash house buyers.
Avoiding Commission Fees
One significant financial advantage of selling a home for cash is the ability to avoid realtor commission fees. Here's how selling for cash can save money:
Skipping realtor fees: Selling directly to cash buyers eliminates the need for real estate agent involvement, eradicating commission fees typically charged by realtors, which can range from 5% to 6% of the sale price.
Increased net proceeds: By avoiding commission fees, homeowners retain more of the sales proceeds, increasing their overall profit from the sale.
Flexibility in pricing: Without real estate agents, sellers have more control over the pricing of their homes, allowing them to negotiate, set competitive prices, and potentially attract cash buyers willing to pay a fair market value.
Quick Movement on Sales
Selling for cash can offer homeowners quicker movement on sales, offering multiple financial advantages:
Accelerated closing process: Cash sales often involve a faster closing time, allowing homeowners to access their sale proceeds sooner and potentially enabling them to move on with their real estate goals faster.
Minimizing market uncertainties: In a rapidly changing real estate market, cash buyers can provide sellers with the speed and certainty needed to make quick sales and mitigate potential market fluctuations.
Opportunity for reinvestment: By selling quickly and having immediate cash, homeowners have the option to reinvest in new properties or take advantage of other investment opportunities.
Why is an All-Cash Offer Preferred?
An all-cash offer is often preferred by sellers due to its numerous advantages over financed offers. Understanding why cash offers are favored helps homeowners make informed selling decisions.
Eliminating the Risk of a Failed Sale
One of the main reasons why sellers prefer cash offers is the elimination of the risk of a failed sale:
Eliminating buyer financing contingencies: With cash offers, sellers don't need to worry about potential buyer financing issues, such as loan denials, credit score problems, or underwriting-related complications that can derail a sale.
Avoiding appraisal contingencies: Cash sales often remove appraisal contingencies, reducing the risk of sale price adjustments or deal cancellations resulting from low appraisals. This brings peace of mind to sellers, knowing that the sale price is secure.
Increased sale certainty: Cash sales offer sellers greater certainty, as cash buyers have readily available funds, minimizing potential delays caused by loan approvals, funding, and lender contingencies.
Immediate payment: Selling for cash ensures immediate payment to sellers, rendering the deal less susceptible to last-minute financing issues and ensuring a successful closing.
The Appeal of Immediate Payment
Immediate payment is another compelling reason why sellers often prefer cash offers:
Financial relief: Immediate payment from cash buyers provides homeowners with immediate access to funds, allowing them to address pressing financial needs, invest in new opportunities, or simply enjoy peace of mind knowing that the sale proceeds are available.
Cash offer attractiveness: Cash offers can be highly appealing to homeowners, as they provide confidence in a swift sale, eliminating the worry of potential financing-related delays or the deal falling through due to buyer financing contingencies.
Flexibility in planning: Immediate payment allows homeowners to plan their next steps, whether it's purchasing a new property, downsizing, or using the funds for other purposes, without the uncertainties of pending mortgage approvals or loan disbursements.
Are Cash Home Buyers Truly the Preferred Choice in Real Estate?
Cash home buyers have emerged as a preferred choice in real estate, offering a range of advantages, quicker sales, and greater certainty:
Quicker sales timelines: Cash buyers can often close faster than financed buyers, giving sellers the assurance of a swift transaction process.
Certainty of funds: Cash buyers provide sellers with confidence, as they offer the guarantee of available funds. There is a reduced risk of the buyer being unable to complete the purchase due to financing issues.
Simplified selling process: Selling to cash buyers simplifies the selling process, minimizing paperwork, contingencies, and potential complications associated with mortgage financing.
Peace of mind: Sellers benefit from peace of mind, knowing their sale is secure, and they can proceed with their real estate plans with minimal uncertainties.
Flexibility in negotiations: Cash buyers often have stronger negotiating positions, allowing sellers to potentially secure more favorable terms, including purchase price, closing timelines, or contingencies.
Common Misconceptions about Cash Home Buyers
Despite the numerous advantages, there are common misconceptions about cash home buyers that may deter homeowners from considering them. Let's address these misconceptions: Cash home buyers have undeniably risen in popularity within the real estate market, offering a myriad of benefits to both buyers and sellers alike. With the ability to streamline transactions and eliminate the uncertainties associated with traditional financing, it's no wonder they are becoming the preferred choice for many individuals looking to buy or sell properties.
One of the key reasons why cash home buyers have garnered such favor is their capacity to expedite sales processes. By circumventing the need for mortgage approvals or loan disbursements, these buyers can often close deals at a much quicker pace, providing sellers with the assurance of a swift and efficient transaction. This swiftness in closing deals not only benefits sellers who may need to offload their property promptly but also provides buyers with a competitive advantage in securing desirable properties in a fast-paced market.
Moreover, the simplicity that comes with selling to cash house buyers is unparalleled. By reducing the paperwork, contingencies, and potential complications associated with mortgage financing, both parties involved in the transaction can experience a smoother and less stressful process. This streamlined approach also fosters trust between buyers and sellers, as the certainty of a cash offer eliminates the risk of deals falling through due to financing issues.
Comparison with traditional real estate agents
While cash house buyers offer alternative selling options, it's essential to understand the differences between selling to cash buyers and using traditional real estate agents: When comparing cash home buyers to traditional real estate agents, one notable distinction lies in the speed and efficiency of the sales process. Cash buyers excel in expediting transactions by bypassing the complexities of mortgage approvals and loan processing, enabling swift closures that benefit both sellers and buyers in a competitive market.
In contrast, traditional real estate agents may offer a more conventional approach that involves navigating through extensive paperwork, contingencies, and potential financing hurdles. While agents provide valuable services such as marketing and negotiating, the transaction timeline can be prolonged compared to the rapidity of cash transactions.
Ultimately, the choice between cash home buyers and traditional real estate agents depends on individual priorities and circumstances. Cash buyers cater to those seeking quick sales with minimal hassle, ideal for sellers looking to offload properties swiftly or in need of urgent funds. On the other hand, traditional real estate agents suit sellers who value comprehensive support throughout the selling process, including marketing strategies, property valuations, negotiations, and guidance.
Both options have their merits, and understanding the nuances between them can empower sellers to make informed decisions based on their specific requirements and timelines. Whether opting for the speed and simplicity of cash transactions or the personalized assistance offered by real estate agents, it is essential for sellers to weigh the pros and cons carefully before proceeding with their home sale. Ultimately, the key lies in aligning one's preferences and priorities with the most suitable method that meets their needs effectively. In a dynamic real estate landscape, having diverse options like cash home buyers and traditional agents can provide sellers with flexibility and choice, ensuring a successful and satisfactory selling experience.
Frequently Asked Questions
Why is cash better when selling a house?
Cash offers are often considered better for selling a house due to several reasons:
Simpler closing process: Cash sales involve less paperwork, documentation, and coordination with mortgage lenders, streamlining the closing process compared to financed sales.
Elimination of financing contingencies: Cash deals remove contingencies related to buyer financing, reducing the likelihood of delays or the deal falling through due to lender requirements or loan approval complications.
Greater certainty: Cash offers provide sellers with the certainty of funds, making the sale less susceptible to financing-related issues that can arise when dealing with mortgage lenders.
Faster closing times: Without lender requirements, cash sales can lead to quicker closing times, allowing homeowners to access their sale proceeds sooner.
Why do sellers want all cash offers?
Sellers often prefer all cash offers due to the advantages they offer, such as:
Quick sale: Cash offers can facilitate faster sales, providing homeowners with a timely, hassle-free selling process.
Certainty of funds: Cash buyers offer sellers the guarantee of immediate funds, eliminating the risk of financing-related contingencies or buyer financing falling through.
Market competitiveness: In competitive real estate markets, cash offers are often more attractive to sellers, as they present a higher level of certainty and simplicity compared to financed offers, giving sellers peace of mind in a competitive market.
Avoidance of financing hurdles: Selling for cash means avoiding potential delays, loan application paperwork, lender requirements, and appraisal contingencies that can be time-consuming and introduce uncertainties into the sales process.
Why do cash buyers have an advantage?
Cash home buyers hold several advantages in real estate transactions, including the following:
Competitive market advantage: In competitive real estate markets, cash buyers stand out among financed buyers, as they offer the potential of quicker closing times and more certain transactions.
Negotiating power: Cash buyers often have stronger negotiating positions, especially in competitive bidding situations, allowing them to potentially secure a better purchase price or more favorable terms compared to financed buyers.
Reduced contingencies: Cash buyers typically require fewer contingencies than financed buyers, reducing potential complications and providing sellers with greater certainty throughout the transaction process.
Certainty of funds: Cash buyers offer the assurance of available funds, minimizing the risks associated with buyer financing contingencies, credit issues, or loan approval uncertainties.
How do cash home buyers differ from traditional home buyers?
Cash home buyers differ from traditional buyers in several ways, including:
Mortgage application process: Cash buyers bypass the mortgage application process since they purchase properties outright with cash, removing the need for loan approvals, documentation, and underwriting requirements.
Proof of funds: Cash buyers must provide proof of funds, demonstrating their ability to purchase the property, typically in the form of bank statements, investment account balances, or cashier's checks.
Elimination of lender contingencies: Cash buyers don't require buyer financing, allowing the sale to proceed without potential contingencies related to loan approvals, appraisal outcomes, or mortgage underwriting.
Simplified closing process: Cash buyers often result in a simplified closing process, involving less paperwork, lender coordination, documentation, and potential delays typically associated with traditional mortgage financing.
Are there any risks involved in selling a home to cash buyers?
While selling a home to cash house buyers offers numerous advantages, there are a few potential risks to consider:
Possibility of lower sale price: Cash buyers may offer lower purchase prices compared to financed buyers, as cash sales sometimes involve fewer contingencies, which can be advantageous for buyers seeking competitive prices.
Risk of fraudulent buyers: Sellers should exercise caution and verify the legitimacy of cash buyers to avoid potential scams or fraudulent transactions. Working with reputable cash buyers, real estate attorneys, or trusted professionals can mitigate these risks.
Due diligence: Sellers should conduct due diligence on cash buyers, including researching their credentials, reviewing any documentation, and considering independent appraisal or property value assessments to ensure a fair sale price.
How quickly can a sale be completed when dealing with cash home buyers?
Sale completion times with cash home buyers can vary, but they often offer faster closing times compared to financed sales.
Here's why cash sales are typically quicker:
Simplified process: Cash sales involve fewer contingencies and paperwork, streamlining the closing process compared to financed sales, which require mortgage underwriting and lender coordination.
Immediate funds availability: Cash buyers provide sellers with immediate funds, eliminating potential delays associated with loan approvals, appraisals, and mortgage lender contingencies.
Reduced documentation requirements: Cash sales involve less paperwork, documentation, and lender-required documentation, accelerating the closing process.
Efficient buyer financing process: Cash buyers, not requiring mortgage financing, offer a simplified closing process, allowing for faster title transfers, property ownership transfers, and disbursement of sale proceeds.
What types of sellers benefit the most from working with cash buyers?
Various types of sellers benefit from working with cash buyers, including:
Seller's market: In seller's markets with high demand, low inventory, and bidding wars, cash buyers offer the advantage of faster sales, reduced contingencies, and competitive offers, making them an attractive choice for sellers.
Cash offer preference: Sellers who prioritize quick sales, less paperwork, and immediate funds benefit from working with cash buyers, regardless of market conditions.
Properties requiring repairs: Cash buyers are often open to purchasing properties in need of repairs, making them a valuable option for sellers looking to avoid costly upgrades before selling.
Time-sensitive situations: Sellers facing foreclosure, financial difficulties, job relocations, or time constraints benefit from cash buyers, as they offer faster closing times and a more efficient selling process.
Can you negotiate the price when selling to a cash buyer?
Negotiating with cash house buyers is possible. Factors like your property's condition, market trends, and urgency influence negotiations. While cash sales are quick, discussing the price fairly is key. Justify your asking price to ensure a mutually beneficial deal.
What percentage of housing sales are made by cash buyers?
Cash buyers typically represent around 20-30% of housing sales. Often investors or those seeking quick transactions, enjoy benefits like quicker closings and reduced reliance on financing. The percentage varies by market conditions and region.
Why would you want to sell your house quickly and for cash?
Expedite your home sale with cash offers for a seamless process. Cash transactions often entail fewer complications and fees, ideal for urgent sales like relocations. Cash home buyers may overlook property conditions, saving you time and money on repairs.
Conclusion
In conclusion, cash home buyers offer a hassle-free and efficient way to buy or sell properties. With benefits such as fast closures, reduced stress, and avoidance of repair costs, cash transactions provide a smooth real estate experience. Sellers can enjoy quick settlements and eliminate the uncertainties of traditional sales, making all-cash offers a preferred choice in the real estate market. If you are considering selling your home or looking for a convenient buying process, reaching out to cash home buyers could be the solution you need. Don't hesitate to get in touch and explore the advantages of cash transactions.
If you are located in the Dallas Fort Worth Area and Want to Sell a House For Cash, Call Now - 972-996-1839
