Dear Victor: as everything else in life, it is all relative. Sellers have a lot of different factors when determining what a "qualified" buyer is or not. Firstly, it will vary from Seller to Seller, in general terms. What I can tell you, is what I, as an experienced Real Estate Broker, observed happening with more frequency, whenever I had a situation of a Seller making that determination. Therefore, there are a few very frequent "trends" I saw happening, whenever a Seller was determining whether a buyer was "qualified" or not. For example, if a Seller has a property located in an area with excellent schools, excellent infra-structure, many parks, many amenities, many golf courses, with a decent traffic level (except rush hours of course), lots o community events, like, let us say, Doral. This becomes a sought after area. A Seller in Doral, with a property located in certain preferred condominiums/ areas, property priced at market price or even about 10 % above market price, have a major preference for cash buyers, period. Sellers in the same area, or a similar area, who price their property way above market price, usually have a tendency to "sit" on it for longer time, to have a lower flow of buyers coming to see it and showing interest on it. Consequently , they seem to be a little more accommodating, and tend to accept cash or pre- approved buyers, meaning buyers who have already gone to a Bank/ Lender, presented all the necessary paperwork, got vetted by that Bank/ Lender, and have received a pre- approval for a loan under that Bank/ Lender's standards, conditions and terms. Basically, what the Buyer needs to do is to find a property, and provide that property is under the value approved and within the terms pre- approved, a deal/ Closing is easily reached. The last level of interest we observe in Sellers in general, is for "pre-qualified" buyers, the ones that come up with a Bank/ Lender letter showing that based on a preliminary basic evaluation, the Bank/ Lender is pre-qualifying that Buyer, to a formal and more thorough Mortgage application, so that they can be approved for a Mortgage. Of course I am not a Mortgage Broker, or an specialist in Mortgages, but certainly that is what I can tell you about my observations as a Realtor dealing with Sellers and Buyers. Summarizing: cash is the absolute preference I observe. Pre- approved buyers, might run a chance depending on pricing and interest on a property, and pre- qualifications , I observe a lesser chance with Sellers. Buyers with none of the above, will have a hard time in this case.