The dual exit
Cash Offer vs Listing: The Honest Math
Most cash buyers hope you never do this math. We do it with you, because if listing puts more money in your pocket, we would rather you list it with Johanna than feel shortchanged by us.
Side by side
| Cash offer from Power Suggs | Listing with an agent | |
|---|---|---|
| Price you get | Below full market value, in exchange for speed and certainty | Full market price if the market cooperates |
| Repairs | None. Sold as-is | Usually needed to get top price |
| Fees and commissions | Zero fees, no commissions, we pay closing costs | Agent commissions plus seller closing costs come out of the sale price |
| Showings | One walkthrough, by us | As many as it takes, on other people's schedules |
| Timeline | Close in as little as 7 days, or on the date you pick | Listing period plus a buyer's closing period, with financing and appraisal risk |
| Certainty | A signed offer is a done deal closing at a local title company | Offers can fall through; buyers can back out |
A worked example
Say a Yuma house could list at $300,000 after about $10,000 of repairs and prep. Here is how the two paths might shake out. These are illustrative numbers to show the shape of the math, not an offer and not a quote for your house.
| Line item | Cash path | Listing path |
|---|---|---|
| Sale price | $255,000 cash offer (example) | $300,000 list price (example) |
| Repairs and prep | $0 | -$10,000 |
| Commissions and seller closing costs | $0 (zero fees; we pay closing costs) | -$21,000 (example) |
| Holding costs while waiting | $0 | -$3,500 (taxes, insurance, utilities, example) |
| Example net to seller | $255,000, on your date | $265,500, after the full listing timeline, if everything goes to plan |
Illustrative example only. In this example the listing nets about $10,500 more, and takes far longer with no guarantee. Change the repair bill, the holding time, or how badly you need certainty, and the better answer changes. That is exactly the conversation we will have with you, with your real numbers.
Cash usually wins when
The house needs real work, the timeline is short, tenants or probate are involved, a trustee sale is scheduled, or you simply want it handled.
Listing usually wins when
The house shows well, you have time, and squeezing out the top price matters more than speed. Johanna Suggs, licensed Arizona Realtor, eXp Realty, ADRE SA705595000, will list it and market it properly.