How Do Cash Buyers Calculate Your Offer? (And What to Watch Out For)
At Stalwart and Wise Real Estate Group, based in Mint Hill (close to Lawyers Rd), we remove the guesswork, gimmicks, and pressure. If you’re considering selling your home fast for cash, here’s how those offers actually work—and how to decide what’s best for you.
Since there is a lot of mis-information surrounding the topic of how cash buyers value your home, it would be helpful for you to read this to make sure you know how Investor offers impact your decision.
🧮 The Formula Most Investors Use
Without a doubt, most cash buyers use this simple math:
Offer = (ARV × 70%) – Repairs
- ARV = After Repair Value (what your home would sell for after full updates)
- 70% = Built-in margin for profit, closing costs, and holding risk
- Repairs = Estimated cost to fix everything needed to resell
Example:
ARV = $300,000
70% = $210,000
Repairs = $30,000
→ Offer = $180,000
🧠 Why This Matters to You
In a nutshell, the formula isn’t a scam—it’s just math. But many companies won’t explain it.
At Stalwart and Wise, our mission is to show you every option clearly. No games. No pressure.
📖 Real Story: Divorce, Stress, and a Simple Decision
Last month, a couple in Mint Hill contacted us. They were going through a difficult divorce, and the house had become a source of tension.
Due to it needing about $25,000 in repairs—a leaking roof, worn carpet, and a failing HVAC. Neither wanted to front the cost. Neither wanted to deal with real estate showings or drawn-out decisions.
To sum it up we mapped out three options:
- Fix and list for top dollar (most profit, longest timeline)
- Sell as-is on the market (decent value, uncertain time frame)
- Accept a cash offer from an investor (less money, zero hassle)
In brief, we gave them all the math:
- Market value: $295,000
- Net after repairs + fees: ~$255,000
- Cash offer: $210,000 — close in 14 days, no showings, no clean-up
Ultimately they looked at the breakdown and said:
“Overall, we just want this over. That offer works even if we can make more money selling on the market.”
In conclusion, we closed the deal in 12 days. They each walked away with what mattered most: peace and a clean break.
🔁 Why This Matters to You
In a similar way, maybe you’re facing:
- Divorce
- Inherited property
- Too many repairs
- Foreclosure pressure
- Relocation
No matter the reason—you deserve clarity before making a move.
If you want:
- 💰 Max money: we’ll help you list retail
- 🕊️ Fast exit: we’ll present real investor offers
- 📊 Real advice: we’ll show both side-by-side
📍 Based in Mint Hill — Serving Charlotte & Beyond
Even if we’re not a national chain. We’re your neighbors.
Simply put, we work with homeowners across Mint Hill, Matthews, East Charlotte, and surrounding NC areas—offering honest, metrics-driven guidance.
📞 Get a Side-by-Side Comparison Today
In short, you don’t need to guess your home’s value or rush into a decision.
Let us:
- Run your numbers
- Estimate repairs
- Compare fast cash vs. retail
- Walk you through it, step-by-step
Call or Text Matt at (704) 998-9924
or
Visit stalwartandwise.com
Stalwart and Wise Real Estate Group
We Advise. You Decide.
