A cash buyer’s offer should not be a mystery. Every legitimate offer starts from the same building blocks. Knowing them helps you judge whether an offer is fair.
1. After-repair value
This is what the house would likely sell for once it is fully repaired and updated, based on recent sales of similar homes nearby.
2. Repair costs
The cost to bring the house to that condition: roof, air conditioning, plumbing, electrical, kitchens, baths, flooring, paint, and any storm or water damage. In Florida, items that affect insurance, like roof age and electrical panels, matter a lot.
3. Holding and closing costs
Taxes, insurance, utilities and loan costs while the house is being repaired and resold, plus closing costs on both the purchase and the resale.
4. Risk and margin
Repairs can run over budget and markets can shift. Buyers include a margin to cover that risk and make the purchase worthwhile. You may hear about rules of thumb, such as a percentage of the after-repair value minus repairs. They are starting points, not the full story.
Questions to ask any cash buyer
- What after-repair value are you using, and which sales support it?
- What repairs did you include, and roughly what do they cost?
- Will the offer change after an inspection?
- Who pays which closing costs?
- Is there any fee or commission?
How we do it
After our walkthrough, we explain these numbers to you in plain language. Our sister company builds and remodels homes, which helps us estimate repairs realistically rather than padding them.
Updated October 2026. General information only, not legal, tax or financial advice.
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