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From Key Largo to Key West, we buy distressed houses and buildable lots in Monroe County as-is, with cash. Cash buyers · 25+ years of combined experience · 1,000+ transactions.
Selling in the Keys isn't like selling on the mainland. Almost everything comes back to water, wind and the permit system, and those three things decide what a house is worth to a buyer. We buy throughout the Keys, including Key Largo, Islamorada, Marathon and Key West.
The housing stock. Keys homes roughly fall into three groups: older wood-frame houses (Key West's conch houses and cottages, and older frame homes up the chain); ground-level CBS (concrete block) homes, many from the 1950s–1970s, sitting at or below today's required flood elevation; and newer elevated homes on pilings or stilts, often with a ground-level area underneath. Each has its own problems, and we price each differently.
Flood zones and insurance. Much of the Keys is in a FEMA flood zone, and many waterfront lots are in V-zones (coastal high-hazard areas), where new or substantially improved homes have to be built on piles with breakaway walls below. For an older ground-level house, the FEMA 50% rule can mean a big renovation forces the whole house to be elevated. Flood and windstorm insurance in the Keys is expensive, and for a lot of buyers it's what breaks the deal.
Permit allocations. The Keys are a state-designated Area of Critical State Concern, and new homes are limited by permit allocation systems — ROGO (Rate of Growth Ordinance) in unincorporated Monroe County, with similar systems in Key West, Marathon and Islamorada. That makes a lawfully established existing home, even a damaged one, worth more than a vacant lot that still needs an allocation. If you're unsure of your property's status, tell us — we'll look into it as part of our review.
These ZIP codes cover all or part of the Florida Keys. ZIP boundaries don't always follow city limits, and some are shared with neighboring cities.
Not on the list? Send the address — if it's in South Florida, we'll take a look.
Send your address and a few details using the form below. No contracts to sign up front, no commitment — just a conversation.
We check your property against real recorded sales at the Clerk of Courts, not an algorithm. Usually back to you within a day or two.
No cleaning, no staging, no strangers walking through your home. You pick the closing date that works for you.
| Selling to Prop Hunters | Listing with an agent | |
|---|---|---|
| Repairs & condition | Sold as-is. We account for the repairs in our offer, so you don't fix, clean out or stage anything. | Buyers and their lenders often ask for repairs or credits after the inspection and appraisal. |
| Showings | No open houses and no strangers walking through. The process is a private conversation. | Showings and open houses are a normal part of marketing a listed home. |
| Commissions & fees | No listing-agent commission when you sell directly to us. Closing costs depend on the contract, and we'll go through them with you. | Agent commissions are negotiable and vary by agreement, plus closing costs and any repair credits. |
| Buyer financing | Our offers are cash offers, so there is no buyer mortgage approval to fall through. | The sale can depend on the buyer's loan approval and the lender's appraisal. |
| Closing date | You choose a closing date that works for you. | Depends on the buyer's financing, inspection and appraisal timeline. |
| Price | Our offer reflects the house as it stands today, with repair and holding costs taken out. | A renovated, move-in-ready house can sometimes sell for more on the open market, but that takes time and money up front and is not guaranteed. |
| Best fit | Houses needing major work, and complicated situations such as probate, liens, tenants or code cases — or sellers who value privacy and certainty. | Move-in-ready houses, or sellers with the time and budget to prepare the house for market. |
If your the Florida Keys house is in good shape and you are not in a hurry, listing with an agent may bring a higher price. Our offers make the most sense when condition, timing or a complicated situation makes a traditional sale hard.
Someone has passed and the estate isn't open yet. We can talk through the steps with you and your attorney.
A house from a parent or relative that nobody wants to repair or manage.
You owe more than the house is worth and your lender has to approve the sale.
A clean sale both owners can agree on, without staging or showings.
We buy houses with tenants in them, including problem tenants.
Payments have fallen behind and you want options before it gets worse.
An empty house costing you taxes, insurance and worry every month.
Big structural or roof problems that make a conventional sale hard.
No repairs, no cleaning out, no showings.
Open code cases, fines or liens on the property.
Unpaid property taxes or other liens that complicate a sale.
A foreclosure is underway or looming and you want to understand your options.
Yes — that's what we do. We buy distressed the Florida Keys houses as-is: major repairs, damage, violations, foreclosure, probate, bad tenants. We don't buy condos.
We estimate what the house would be worth fully repaired, based on recorded Monroe County sales of comparable nearby homes. Then we subtract what we expect repairs, holding costs and closing costs to be, and what we need to make the project worth taking on. We don't use a flat percentage, and we'll explain how we got to the number.
Sometimes. Whether a Keys lot can be built on depends on its zoning, habitat and flood designations and whether a building permit allocation is available under ROGO or the city's system. Send us the address or parcel number and we'll look at what's realistic before we make an offer.
We look at properties in the ZIP codes that cover all or part of the Florida Keys, including 33001, 33036, 33037, 33040, 33042, 33043, 33050, and 33070. ZIP boundaries don't always follow city lines, so if you're not sure, just send us the address.
Usually within a day or two of sending your address and details.
These are official government sites. They're useful if you want to look up your own parcel, recorded liens or permit history before you talk to anyone.