Blog Buyer Cash or Financing- What's best for buyer

Cash or Financing- What’s best for buyer

By Julia Robertson, June 2, 2020

One week before closing(also the week COVID19 was declared a pandemic), my buyer client decided to back out of a perfectly beautiful home in the Hollywood neighborhood. This Buyer was paying all cash and with the uncertainty of the stock market, along with a few items that came up during inspection, the buyer made the final decision to cancel the sale. When someone is investing a half million $$ cash, the smallest details of an inspection become priorities. This can be frustrating for all parties in a transaction, especially when everything is going smoothly until then.

I always say, “everything happens the way it’s supposed to in real estate.” Point in case for this situation. A month later my client contacted me to schedule a showing of a truly unique property in the West Hills of SW Portland. We arrived with gloves, masks, and sanitizer in hand. A new showing procedure since the last home we previewed. This property has million dollar views, two living areas, 4 fireplaces, and 4 levels of high end living. Listed for nearly the same price as the Hollywood home a few weeks back.  Instead of purchasing with cash, my client decided to take advantage of the low mortgage rates and make a substantial down payment. We wrote a clean offer, not at full price, a letter to the seller, and won in a multiple offer situation! We found out that seller picked our offer over a higher offer price. It’s all in the delivery, communication, and sellers intuition that my client would perform and close. Bam! All of this is presented to the seller through confidence in the buyer and my communication with the listing agent.

The Buyer, instead of liquidating his investments immediately, he decided to sell his house after moving then pay off the mortgage. With this new home, my client would be able to rent out a 2 bedroom home on the lower level, creating extra income. Which is what he desired with the first home he was in contract with. He also had additional bedrooms for guests, a larger main living area, a space for an exercise room and storage for his record collection.

Meant to be? I’m sure it was.

A good investment? Absolutely!

Is cash king? Not necessarily.

Financing is equal to cash. What Seller wants most is the confidence to CLOSE, especially in times like these. 


Interested in buying Real Estate? Call or email me anytime!


Julia Robertson | Broker Licensed in Oregon & Washington

Living Room Realty

541-505-1111 |

Julia Robertson

Earth Advantage Broker Licensed in OR & WA

Julia Robertson is first and foremost a passionate Oregonian. She moved to Oregon eleven years ago and genuinely loves showing the city to clients who are considering whether to relocate. Julia constantly explores the city so that she can accurately match clients with a part of Portland Metro or Vancouver that is perfect them. She believes that everyone deserves the chance to own a home in an area or neighborhood that they love. Since a real estate purchase is one of the biggest investments you’ll ever make, Julia works tirelessly with her clients to build a trusting relationship and help them find not just a house, but a home. She has experience working with a broad range of clients to fulfill their diverse and unique needs. Are you selling your home? Purchasing your first condo downtown? Searching for property outside of the city? Looking to buy an investment property? Julia can help you come up with a plan that meets your timeline, your budget  and your needs.  If you’d like to meet for coffee or lunch to discuss potential real estate opportunities, Julia would love to hear from you. When Julia represents a client in the sale or purchase of a home, Julia treats the agency they have like a friendship, going above and beyond to serve her clients. She considers the client’s budget, bottom line, area preferences, and future plans. While Julia doesn’t consider herself a “sales person,” she does have over twenty years of experience in the field of sales and knows how to conduct herself in negotiations and details. Your business is Julia’s top priority, and she always makes herself available. From an early age, Julia loved everything related to homemaking.  Her childhood spent moving from town to town and always having to be “the new kid” gave her the personal confidence to meet new people and boldly operate in the high stakes world of real estate. Julia is a licensed REALTOR® in Oregon and Washington as a Seller Representative Specialist(SRS) and Earth Advantage-certified broker. She currently serves on the Living Room Realty broker advisory board and attends the Portland B corporation meetings.
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  • T: 541-505-1111
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