Compare Your Selling Options
Enter your property details below to see a side-by-side comparison of a traditional sale, a fast cash offer, and a creative financing solution.
Property Details
Adjust the numbers to see your estimated net proceeds update in real-time.
Fast Cash Offer
Sell as-is, no repairs, no showings, close in days.
Creative Financing (SubTo)
Maximize your price by selling on terms or keeping the mortgage in place.
Traditional Agent Listing
List on MLS, do repairs, pay commissions and closing costs.
Cash Offer Quality
- •Strong ROI of 23.1%
- •Healthy profit margin of 23.1%
Creative Finance Quality
- •Earns $86,243 in interest
- •~$45,000 tax deferred
- •$30,000 cash at closing
Side-by-Side Comparison
All key metrics compared in one view.
| Metric | Cash Offer | Creative Finance | Traditional |
|---|---|---|---|
| Offer Price | $195,000 | $300,000 | $300,000 |
| Net to Seller | $45,000 | $236,243 | $108,000 |
| Time to Close | 7-14 days | 14-30 days | 60-120 days |
| Fees / Commissions | $0 | $0 | $27,000 |
| Repairs Required | No | No | Yes |
| Interest Earned | $0 | $86,243 | $0 |
| Tax Deferred | $0 | $45,000 | $0 |
| Monthly Income | $0 | $573 | $0 |
Payout Over Time
See how your total net proceeds grow over the life of the loan with Creative Financing compared to an upfront Cash Offer or Traditional Listing.
Home Value Sensitivity
How changes in your home's value affect your best net proceeds.
Interest Rate Sensitivity
How the seller finance rate affects total creative payout.
Disclaimer
This calculator is intended for educational and informational purposes only. The estimates provided are based on the information you input and general market averages, and do not constitute a formal appraisal, guaranteed offer, or financial/legal advice. Actual offers, costs, fees, and net proceeds will vary depending on the specific condition of your property, current market conditions, and the final terms of any agreement. Please consult with a qualified real estate professional or financial advisor before making any decisions regarding the sale of your property.
