Selling a House As-Is in Colorado: The Complete Seller's Guide

We've helped hundreds of Colorado homeowners sell properties in every condition imaginable. From inherited homes packed floor-to-ceiling to houses with foundation issues from expansive soils. We've seen it all, and we've bought it all.

Ready to skip the hassle? Get a no-obligation cash offer or learn how our process works.

What Does "Selling As-Is" Really Mean in Colorado?

When you sell a house as-is in Colorado, the buyer agrees to purchase your property in its current condition without requiring you to make repairs. The buyer accepts the home "with all faults." However, you're still legally obligated to disclose known material defects through Colorado's Seller's Property Disclosure form.

Many sellers assume "as-is" means they can simply hand over the keys and walk away without any paperwork. That's not how it works in Colorado.

The Legal Definition

In Colorado real estate, "as-is" is a contractual term indicating:

• You won't fix problems discovered during inspection
• The buyer accepts the property's current condition
• The purchase price already accounts for needed repairs

It does NOT mean:

• You can hide defects you know about
• You skip the disclosure forms
• You avoid legal responsibility for known issues

The Cash Buyer Difference

When you sell to a local cash buyer like Terra Capital, the process is different. We conduct our own assessment during the walkthrough. Our offer already factors in the home's condition. We waive the inspection objection period. What we offer is what you get—no surprises. This is a true as-is sale.

Colorado Disclosure Laws: What You MUST Reveal

Colorado law requires sellers to complete a Seller's Property Disclosure (SPD) form for residential sales. This applies to as-is sales too. You must disclose known material defects including structural issues, roof problems, water damage, mold, and environmental hazards.

The Seller's Property Disclosure (SPD) Form

Colorado requires sellers to fill out a standardized disclosure form that covers:

• Structural components: Foundation, walls, floors, ceilings
• Roof: Age, leaks, repairs, material type
• Plumbing: Water heater, pipes, sewer/septic system
• Electrical: Panel, wiring age, known issues
• HVAC: Heating and cooling systems, last service date
• Environmental hazards: Radon, mold, asbestos, lead paint
• Water issues: Flooding history, drainage problems, moisture

Material Defects: What Must Be Disclosed

Under Colorado law, material defects include:

• Foundation damage – Very common in Colorado due to our expansive bentonite soils
• Roof damage – Hail damage is standard in the Front Range
• Mold or water intrusion – Basement moisture problems
• Methamphetamine contamination – Colorado has specific disclosure requirements
• Radon levels – Colorado has some of the highest radon levels in the country
• Lead-based paint – Federally required for homes built before 1978

Why Honesty Protects You

Colorado courts allow buyers to sue for non-disclosure even years after closing. If a buyer discovers foundation issues you knew about but didn't disclose, they can come after you for repair costs, legal fees, and punitive damages in cases of fraud. Being honest on your disclosure form protects you legally.

The 3 Ways to Sell As-Is in Colorado

Colorado homeowners have three main options for selling as-is: listing with a real estate agent, selling by owner (FSBO), or selling directly to a local cash buyer. Each option involves different trade-offs between price, time, effort, and certainty.

Common Reasons Coloradans Sell As-Is

Inherited Properties and Probate

Inheriting a home in Colorado often means you live out of state and can't manage repairs, the property sat vacant and needs work, or the home is full of decades of belongings to clear. We've helped families sell inherited homes without ever visiting the property.

Major Repairs Needed

Colorado homes face unique challenges:

• Foundation issues – Our expansive clay soils cause repairs costing $10,000-$50,000+
• Hail damage – Front Range hail storms destroy roofs every season
• Radon mitigation – Many basements test high for radon
• Older systems – Furnaces, water heaters, and electrical panels past their lifespan

Financial Distress

We work with homeowners facing pre-foreclosure, divorce requiring fast property division, job relocation with no time to wait, and medical bills or other urgent expenses. In these situations, speed and certainty matter more than getting top dollar.

How to Calculate Your "As-Is" Sale Price

Cash investors determine offers using a straightforward formula: After Repair Value minus repair costs, holding costs, and profit margin equals your offer.

Is that below retail? Yes. But consider what you're getting: no $50,000 out of pocket for repairs, no 6+ months waiting, no 5-6% in agent commissions, no risk of deals falling through, and no cleaning, staging, or showings.

Step-by-Step: The Terra Capital As-Is Process

Our process takes 4 simple steps: contact us, schedule a brief walkthrough, receive your cash offer within 24-48 hours, and close on your timeline.

Frequently Asked Questions