The main decision is whether to list as-is or make targeted repairs first. A pre-listing home inspection, typically $400 to $600, tells you which issues a buyer's own inspector will find anyway, so you can decide which are worth fixing and which are better disclosed and priced around.
Financing can narrow your buyer pool on a house with major deficiencies, since a lender may hesitate on a mortgage for a property with a failing furnace or roof, which pushes some buyers toward cash or renovation financing. That is a pricing conversation, not a reason not to sell.
Get your hand-reviewed valuation from Joel Dyck.