CASH OFFERS • SELLING YOUR HOME • BUYING A HOME • FINANCING • INVESTING

Cash Offer & Real Estate FAQs: Cincinnati & Hamilton, OH

Real Estate Questions? We'll Give You Straight Answers.

Whether you're thinking about selling your house for cash, listing your home, buying your first property, or evaluating an investment, real estate comes with a lot of questions. Below are answers to the questions we hear most often from homeowners and buyers throughout Cincinnati, Hamilton, and surrounding areas.

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SELL FOR CASH

Selling Your House for Cash

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Do you buy houses for cash in Cincinnati and Hamilton, Ohio?

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Yes. Match Property Group buys houses for cash in any condition throughout Cincinnati and Hamilton County, as well as the City of Hamilton and surrounding communities in Butler County. You'll work directly with Leo and Alicia, local cash home buyers and licensed Realtors with Plum Tree Realty.

How does selling my house for cash work?

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Tell us about the property online or by phone, and we'll schedule a quick walkthrough. We typically provide a no-obligation cash offer within 24 hours of the walkthrough. If you accept, we open title with a local title company, and you choose the closing date.

How quickly can I get a cash offer for my house?

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Usually within 24 hours of our walkthrough. If your situation is time-sensitive, call or text us at 513-837-8402.

How quickly can you close, and can I choose the closing date?

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When title is clear, we can close in as little as 7 days, and many of our cash purchases close in about 10–21 days. If you need more time to move out, we'll set a closing date that fits your situation.

Do I need to make repairs, or can I sell my house completely as-is?

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You can sell your house completely as-is. You don't need to make repairs, renovate, clean, stage the home, or hold showings.

Can I sell a house that needs major repairs or has fire, water, or foundation damage?

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Yes. We buy houses in virtually any condition, including homes with roof problems, foundation issues, fire or water damage, outdated systems, or deferred maintenance. We factor the condition into our offer, so you don't have to fix anything first.

How do you determine your cash offer?

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We look at the property's current condition, recent comparable sales nearby, estimated renovation and holding costs, market conditions, and your timeline. We'll walk you through the numbers so you can see exactly how we got there.

Will a cash offer be lower than market value?

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Usually, yes. A cash offer is typically lower than what a fully repaired and marketed home might sell for on the open market. In exchange, you skip repairs, showings, commissions and closing costs, and you get a certain closing date. If listing would clearly net you more, we'll tell you.

Are there commissions, fees, or closing costs when I sell directly to you?

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No. There are no commissions or fees when you sell directly to us, and we cover all closing costs. Any existing mortgage, liens, or delinquent taxes are paid off from your sale proceeds at closing, and the title company's settlement statement shows exactly where every dollar goes.

Is there any obligation, and do I have to accept your offer?

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No. Requesting an offer doesn't obligate you to sell. You can review it, ask questions, compare it with your other options, or simply say no.

Is your cash offer negotiable?

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Always. If you think we missed something about the property or your situation, let us know, and we'll review it with you and explain the numbers.

What happens after I accept your offer?

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We sign a purchase agreement, put down earnest money, and open the transaction with a title company. The title company reviews ownership, gets any payoffs, and prepares everything for closing. On closing day, you receive your proceeds through the title company.

Do you put down earnest money, and what is non-refundable earnest money?

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Yes. We put down earnest money on every house we buy, and in about 95% of our purchases that deposit is non-refundable. Earnest money is a good-faith deposit held by the title company and credited toward the purchase price at closing. "Non-refundable" means that if we back out, you keep the deposit, except in the limited situations written into the purchase agreement, such as a title problem that can't be cleared. We'll explain those terms clearly before you sign anything.

Can I see proof of funds?

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Always. We share our proof of funds with every seller, and you can also find it on our website.

How do I know you're a legitimate cash buyer and not a scam?

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Leo and Alicia are licensed Realtors with Plum Tree Realty, and every direct purchase closes through a professional title company. We show proof of funds, put down earnest money on every purchase, and will never ask you to pay us anything to buy your house. You can learn more about us and read client reviews through Match Property Group and Match Home Buyers.

Can I sell an inherited house or a house in probate?

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Yes. We buy inherited and probate properties throughout the Cincinnati and Hamilton areas. Before a sale can close, the person handling the estate must have legal authority to sell and any required court approvals must be in place. We work alongside the estate's attorney and title company, but we don't provide legal advice.

Do I need to go through probate to sell an inherited house in Ohio?

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Not necessarily. It depends on how title was held. Some properties transfer through joint ownership or a transfer-on-death designation, while others go through Hamilton County or Butler County Probate Court. An Ohio probate attorney can confirm what applies to you, and once the authority to sell is established, we can buy either way.

Can I sell if I'm behind on payments or facing foreclosure?

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Often, yes, but timing matters. If we sign an agreement at least one week before the sheriff sale, we can usually close before the auction, depending on title, liens, and lender payoff requirements. Reach out as early as you can, and consider speaking with your lender and an attorney as well.

Can I sell a house with liens, back taxes, title problems, or code violations?

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Often, yes. Many liens, delinquent taxes, judgments, and title issues can be paid or resolved through the title company at closing. We also buy houses with open code violations and significant deferred maintenance.

Can I sell a house with tenants living in it?

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Yes. We buy rental properties with tenants still living in them, so you don't need to wait for tenants to move out. We'll just need to understand the lease and how we can access the property.

Can I sell a vacant house?

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Yes. We buy vacant houses in Cincinnati, Hamilton, and surrounding areas, including homes that have been empty for a long time or need significant work.

Can I sell my Cincinnati or Hamilton property if I live out of state?

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Yes. We regularly work with owners who don't live locally. A family member or friend can let us in for the walkthrough, and you can sign everything remotely, or we'll send a mobile notary to you.

Do I have to clean out the house, or can I leave belongings behind?

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No. Take what you want to keep and leave anything else behind. We'll go over it with you before closing so everyone knows what's staying, and we'll take care of clearing out the rest.

What happens to the house after you buy it?

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We renovate every house we buy. Then we either rent it out or sell it to a new family. One of the things we enjoy most is bringing homes back to life and putting them back into use in the community.

What's the difference between selling for cash, selling off-market, and listing with a Realtor?

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A direct cash sale is the simplest: we buy the house ourselves, as-is, on your timeline. An off-market sale keeps the property off the public MLS for more privacy and can sometimes bring a price closer to market value. A Realtor listing puts your home on the MLS for the widest exposure, which may get you the highest price. We'll show you how each option compares so you can choose.

LIST MY HOME

Listing Your Home

Should I sell my house for cash or list it with a Realtor?

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It depends on your priorities. A cash sale often makes more sense when speed, convenience, condition, privacy, or certainty matter most. Listing often makes more sense when you have time and getting the highest possible price is the priority. Because we buy houses directly and also provide Realtor representation, we can show you both options instead of pushing you toward one.

How much is my house worth in Cincinnati or Hamilton?

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We'll prepare a free comparative market analysis using recent comparable sales, current competition, neighborhood activity, and your home's condition. We'll show you the information behind the estimate, not just a number.

How long does it take to sell a house in Cincinnati or Hamilton?

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There's no single timeline. It depends on price, condition, location, buyer demand, financing, and the current market. Before listing, we'll review recent days-on-market data for your area so you have realistic expectations.

How much does it cost to sell a house in Ohio?

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Costs can include negotiable brokerage commission, seller closing costs, mortgage or lien payoffs, prorated property taxes, and any repairs or credits you agree to with the buyer. Before listing, we'll prepare an estimated seller net sheet so you can see what you'll actually walk away with.

Can I list my house as-is, and how is that different from a traditional listing?

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Yes. An as-is listing markets your home in its current condition without major repairs first. Buyers can still inspect and request repairs or credits, but you decide how to respond. With a traditional listing, you may make some improvements before going to market to appeal to more buyers. We'll help you decide which makes more sense.

Which repairs or improvements are worth making before I sell?

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Not every improvement pays off. Cleaning, small repairs, paint, landscaping, and presentation often make a real difference, while big renovations before selling may not. We'll walk through the house with you and tell you where spending money helps and where it's better to leave it alone.

How will you market my home?

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Depending on the property, marketing may include professional photography, MLS exposure, major real estate websites, social media, buyer-agent outreach, showing coordination, property-specific marketing, and open houses when appropriate. After launch, we keep tracking showings, feedback, and competition, and adjust if needed.

How do I know which offer is the best offer?

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The highest price isn't always the strongest offer. We'll help you compare the whole offer: price, financing, earnest money, inspection and appraisal terms, contingencies, seller concessions, closing timeline, possession, and buyer strength. We'll explain the advantages and risks of each, and the final decision is always yours.

BUY A HOME

Buying a Home

I'm a first-time homebuyer. Where do I start?

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Start with a conversation about your goals, preferred areas, budget, and timeline. Next, talk with a lender to get pre-approved so you know your price range. Then we'll build a focused home search and guide you from showings to closing.

Do I need to get pre-approved before looking at houses?

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It's strongly recommended once you're serious about buying. A pre-approval shows what you can afford and tells sellers a lender has reviewed your finances, which makes your offer stronger.

Do I really need 20% down to buy a home?

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No. Some conventional loans allow as little as 3% down, FHA loans can allow 3.5% down, and eligible VA borrowers may be able to buy with no down payment. The right program depends on your finances, credit, eligibility, and the property.

How much do I need for a down payment and closing costs in Ohio?

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It depends on the price, loan program, lender, and whether you qualify for assistance. Besides the down payment, buyers usually pay for inspections, the appraisal, lender and title fees, and prepaid taxes and insurance. Your lender will give you exact figures, and in some cases the seller can help with closing costs.

Are there first-time homebuyer programs in Ohio?

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Yes. The Ohio Housing Finance Agency (OHFA) offers programs that may provide down payment assistance or other benefits to qualifying buyers. Programs and requirements change, so work with an OHFA-approved lender to see what you qualify for. We can connect you with lenders, but you're always free to choose your own.

Do I have to sign a buyer agreement before touring homes?

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Yes, when you're working with us as your buyer's agents. The written agreement explains the services we provide, our relationship, and how brokerage compensation works, and we'll review it with you before you sign. You generally don't need one just to visit an open house on your own.

Can you help me buy my first home in Cincinnati or Hamilton?

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Absolutely. We help first-time buyers through every step: financing preparation, the home search, showings, offer strategy, inspections, negotiation, and closing. We also work with Spanish-speaking buyers and ITIN buyers and can connect you with the right lender.

FINANCING

Mortgage & Financing

Loan eligibility, interest rates, credit requirements, and program guidelines are set by lenders and can change. We can help you understand the buying process and connect you with lenders, but we don't make lending decisions.

FHA vs. conventional: what's the difference?

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FHA loans are government-insured and may offer more flexible qualifying standards, with down payments as low as 3.5%, but they generally include mortgage insurance. Some conventional loans allow as little as 3% down and may have different mortgage-insurance and credit requirements. Neither is automatically better, and a lender can compare them for your situation.

What is an FHA 203(k) loan, and can I buy a fixer-upper with it?

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An FHA 203(k) loan lets qualifying buyers combine the purchase of a home and eligible renovation costs into one mortgage. There are different 203(k) options depending on the size of the project. Because we renovate homes ourselves, we can help you think through a property's condition and potential, while your lender and contractors set the official repair scope and pricing.

Can I buy a house with no down payment using a VA loan?

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Often, yes. Eligible veterans, service members, and certain surviving spouses may be able to buy with no down payment and no monthly mortgage insurance. A one-time VA funding fee usually applies unless you're exempt, and you'll need a Certificate of Eligibility and approval from a VA lender.

What is OHFA down payment assistance?

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It's help from the Ohio Housing Finance Agency toward your down payment and closing costs for qualifying buyers. Amounts, requirements, forgiveness terms, and eligible loan types can change. An OHFA-approved lender can confirm what's currently available and whether you qualify.

Can Match Property Group help me evaluate a house that needs renovations?

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Yes. Our real estate and renovation experience helps us spot what deserves a closer look and judge a property's condition and renovation potential. When we represent you as Realtors, we're not your home inspector, engineer, or lender, so we always recommend independent inspections and contractor estimates before you buy.

INVESTORS

Real Estate Investors

Do you work with real estate investors in Cincinnati and Hamilton?

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Yes. We work with experienced and first-time investors buying rental properties, BRRRR deals, fix-and-flips, and other residential investment properties throughout Cincinnati, Hamilton, and surrounding areas.

Can you help me find off-market, fix-and-flip, or BRRRR properties?

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Yes. We can bring you off-market deals, and we can help you find and make offers on properties listed on the MLS. Since not every property fits every strategy, we'll also help you evaluate the deal before you make an offer.

What is the BRRRR strategy, and how is it different from a fix-and-flip?

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BRRRR stands for Buy, Rehab, Rent, Refinance, Repeat: you buy and renovate a property, rent it out, then refinance to pull out capital for your next investment. With a fix-and-flip, you renovate and resell instead of keeping it as a rental. Both carry risk, and the right choice depends on the property, financing, market, and your goals.

How do you estimate ARV and repair costs?

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After-repair value (ARV) is an estimate of what a property should be worth once renovated, based mainly on recent sales of comparable updated homes. We estimate repair costs from the property's condition and the work it needs. These are estimates, not guarantees, so confirm repair scope and pricing with contractors before you buy.

How do you evaluate whether an investment property is a good deal?

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We look at the whole picture: purchase price, comparable sales, repairs, ARV, market rent, taxes, insurance, holding costs, financing, cash flow, risk, and exit strategy. Not every cheap property is a good investment, and we'll help you understand the numbers so you can decide.

ABOUT US

About Match Property Group

Are Leo and Alicia both Realtors and cash home buyers?

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Yes. Leo Rodriguez and Alicia Neubauer are licensed Realtors with Plum Tree Realty, and they also buy houses directly for cash. That lets us show homeowners more than one path instead of only a listing or only a cash offer.

When do you represent me, and when are you buying from me?

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When we buy your property directly, we're the buyers acting in our own interest, not your Realtors. When you hire us to list your home or help you buy, we represent you as licensed Realtors through Plum Tree Realty under a written brokerage agreement. If we discuss an off-market sale, we'll explain our role before you decide.

What is the difference between Match Property Group and Match Home Buyers?

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Match Property Group is our main real estate company: we buy houses for cash, list homes, help buyers, and work with investors. Match Home Buyers is our dedicated cash home buying brand for homeowners who want a cash offer or an off-market sale. Both are run by Leo and Alicia.

What areas do you serve?

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We serve Cincinnati and Hamilton, Ohio, including communities throughout Hamilton County and Butler County.

If a cash offer doesn't make sense, can you list my house instead?

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Yes. If listing makes more sense for your goals, we can list your home with full-service Realtor representation through Plum Tree Realty. We're not here to push everyone toward the same solution.

What happens after I fill out your form?

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Leo or Alicia will reach out the same day to learn what you're trying to accomplish. Then we'll explain the next step, whether that's a cash offer, listing your home, or buying. There's no pressure and no obligation.

Leo RodriguezAlicia Neubauer

Still Have Questions?

Talk directly with Leo & Alicia. No pressure, no obligation.

GET MY CASH OFFER →CALL OR TEXT 513-837-8402

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Plum Tree Realty