Thinking about selling your house in Bergen County and curious what a real estate investor might offer? If your home needs work, you’ve inherited a property, or you simply want to avoid the hassle of listing, a cash offer can sound appealing.
But how do investors come up with their numbers? And more importantly—is a cash offer the right move for you?
I’m Kevin Hill, a licensed real estate agent and investor based in Bergen County, NJ. I work as a hybrid agent, which means I help sellers understand all their selling options—not just investor offers.
Let’s take a look at how cash buyers calculate offers—and what else you should consider before making a decision.
🧮 How Do Investors Calculate Offers?
Most investors use a simple formula:
Investor Offer = ARV × 65%–70% – Repair Costs
ARV (After Repair Value) = What your home would sell for fully renovated
65–70% of ARV = Investor purchase price range to account for costs and profit
Repair Costs = Estimated cost to bring the home to market condition
📊 Example:
If your fixed-up home in Teaneck could sell for $600,000, but it needs $50,000 in repairs:
$600,000 × 0.70 = $420,000
$420,000 – $50,000 = $370,000 cash offer
That’s your “as-is” offer—no commissions, no showings, no repairs. Just a fast, straightforward closing.
🤔 Why Don’t Investors Pay Full Price?
Cash investors aren’t being shady—they’re running a business. That 30–35% margin helps cover:
- Realtor commissions when they resell
- Holding costs (taxes, insurance, utilities)
- Renovation overruns and risk
- Profit for taking on the project
In return, you get speed, convenience, and peace of mind.
⚠️ But Is a Cash Offer Right for You?
Not always. And this is where my hybrid agent role comes in.
As someone who works with both investors and traditional buyers, I can help you compare options like:
- Cash Offers (fastest, but lowest)
- Full Market Listing on the MLS (highest price, more time and prep)
- Creative Solutions like:
- Shared Equity Agreements
- Seller Financing
- Assumable Mortgages
Let’s take a closer look at these other options.
🧠 Other Selling Strategies Most Homeowners Don’t Know About
🔄 1. Shared Equity Agreement
This is ideal if:
- You have equity in your home
- You want to partner with an investor
- You don’t want to do repairs, but also don’t want to sell cheap
In a shared equity deal, an investor covers the renovation or holding costs, and you both share the profits after it sells. It’s a win-win for homeowners who want more upside without taking on all the work or risk.
💸 2. Seller Financing (aka Owner Financing)
This works if:
- You own the home outright or have low debt
- You’re not in a rush to cash out
You act as the bank. The buyer makes monthly payments to you over time. This option often commands a higher sale price, earns you interest, and keeps your home working for you.
🧾 3. Assumable Mortgage
Perfect for:
- Sellers with a low-interest FHA or VA mortgage
- Buyers struggling with today’s 7%+ rates
If your current loan is assumable, a buyer can take over your mortgage—often making your home more valuable and marketable, especially in this high-rate market.
🧭 My Promise as a Hybrid Agent
I don’t just toss out a low cash offer and hope you take it.
I sit down with you, look at your timeline, the condition of the property, your financial goals—and help you map out the best path.
Sometimes that means:
- Selling as-is for cash
- Doing a shared equity deal to maximize profit
- Listing it on the MLS for top dollar
- Offering seller financing to the right buyer
I’m here to help you weigh all your options and make the smartest decision for your situation.
📲 Let’s See What Your House Is Worth—Both Ways
Want a real investor offer for your Bergen County home?
✅ I’ll give you a fair cash offer
✅ Show you what you’d make if you listed it
✅ Explain other creative options (shared equity, seller financing, etc.)
👉 Click here to get started.
Or call/text me at (201) 214-1349
No pressure. Just the information you need to make a confident choice.
✅ Final Takeaway
A cash sale is fast and easy—but it’s not always the best move.
If you want to explore every option to get the most from your home, let’s talk. I’ll guide you through cash offers, MLS listings, and creative financing solutions that fit your situation—not someone else’s agenda.
➡️ Request your free offer today
Or reach out and I’ll walk you through everything—start to finish.