A clearer home-selling decision

Compare Before
You Commit

A higher sale price does not always mean higher net proceeds. Compare the estimated costs, timing, responsibilities, and tradeoffs of a traditional listing, an as-is cash sale, and flexible-sale options.

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iThis calculator provides estimates for planning purposes. Actual offers, costs, timelines, and proceeds may vary.
01

Your Property Details

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02

Your Estimated Comparison

Four different paths, with the costs and timing made visible.

Highest estimated net money keptHighest Possible Net$688,974
One consistent comparisonAfter costs and debtEstimated net
02

As-Is Cash Sale

Direct purchase in current condition

Estimated net money kept$385,650After modeled costs and mortgage payoff
How we got there
Estimated sale price$390,000
Mortgage payoff− $0
Repairs & improvements− $0
Agent commission$0
Seller closing costs− $3,900
Seller concessions$0
Staging / preparation$0
Holding costs− $450
Estimated timelineAs fast as title checks
Estimated net$385,650
Estimated repairs includedFew or no showings
03

Flexible Sale

Negotiated price, timing or payment terms

Estimated net money kept$599,400After modeled costs and mortgage payoff
How we got there
Estimated sale price$600,000
Mortgage payoff− $0
Repairs & improvements− $0
Agent commission$0
Seller closing costs− $0
Seller concessions$0
Staging / preparation$0
Holding costs− $600
Estimated timelineAs fast as title checks
Estimated net$599,400
Estimated repairs includedFew or no showings
04

Highest Possible Net

Illustrative 36-month outcome

Estimated net money kept$688,974After modeled costs and mortgage payoff
How we got there
Estimated sale price$585,000
Mortgage payoff− $0
Repairs & improvements− $0
Agent commission avoided+ $30,000
Transaction costs avoided+ $25,780
36-month principal reduction+ $0
2-year appreciation+ $35,626

Year one price static; appreciation is added for years two and three.

Potential depreciation tax effect24% assumed rate; eligibility and recapture may apply+ $12,567
Estimated timeline36-month outcome
Estimated net$688,974
Estimated repairs includedShowings likely

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What the Numbers May Mean

Net comparison. Every headline figure now estimates money kept after the modeled transaction costs and mortgage payoff.

Highest estimated net. Highest Possible Net produces the largest modeled amount after 36 months because it includes avoided costs and the additional time-based benefits shown above.

Timing of proceeds. How much is received initially or later depends on what matters most to the seller and must be discussed before a structure is determined.

03

How the paths compare beyond price

The practical tradeoffs often matter as much as the headline number.

ConsiderationTraditional listingAs-is cashFlexible saleHighest-net scenario
Time to initial closing3 monthsAs fast as title checksAs fast as title checks1–2 weeks
All proceeds receivedAt closingAt closingNeed to discussPending
RepairsUsually requiredUsually not requiredUsually not requiredUsually not required
Cleaning & preparationHighLowLow–moderateLow
ShowingsUsually requiredUsually not requiredUsually not requiredUsually required
Appraisal riskModerateLowLowLow
Bank financing riskModerate–highLowDepends on structureDepends on structure
Inspection negotiationsModerate–highLowLowLow
Moving flexibilityModerateHighPotentially highPotentially high
Certainty of closingModerateHighHighHigh
ComplexityModerateLowLowLow

How Each Option Fits Your Timeline

Your stated goal: 60–90 days

Traditional listingMay be compatible; market timing can varyAs-is cashAppears compatible with most short timelinesFlexible saleDepends heavily on negotiated termsHighest-net scenarioRequires a longer horizon

Individual tradeoffs

More filled circles mean more preparation, dependence, or complexity. Timeline predictability is shown from low to high.

Traditional listingAs-is cashFlexible saleHighest net
Seller preparation
Moving parts
Timeline predictability
Financing dependence
Need for showings
Transaction complexity
i

Assumptions & disclosures

This tool provides estimates for educational and planning purposes only. It is not an appraisal, offer, comparative market analysis, tax opinion, legal opinion, financial advice, lending advice, or guarantee of proceeds or timing.

Actual prices, offers, payoffs, repairs, commissions, concessions, settlement charges, taxes, title expenses, holding costs, financing terms and timelines may differ. Availability and suitability depend on the property, homeowner, buyer and clear title.

A flexible sale may involve proceeds received over time. Structure, timing, security, legal documents, financing terms and risks should be reviewed with qualified legal, tax and financial professionals. The depreciation illustration assumes income-producing residential property, excludes the selected land allocation, uses a 27.5-year straight-line recovery period, and applies the selected tax rate. Personal-use property is not depreciable; actual tax basis, mid-month convention, passive-loss limits and depreciation recapture may materially change the result.

05

Which selling paths may be worth exploring?

The numbers are only part of the decision. Your timing, property condition, financial pressure, living situation, and need for certainty can also affect which options are worth exploring.

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Would You Like Help
Reviewing the Comparison?

Online estimates are useful, but the best option depends on the property, payoff, condition, timeline and your priorities. Chris can review the assumptions with you—without pressure to choose a particular path.

You can send this PDF to Chris for review at reihouseva@gmail.com then schedule a clarity call to discuss it.