How We Calculate Your Offer
Most cash buyers hand you a number and ask you to trust it. We hand you the worksheet. Every offer from Trusted Choice Buyers LLC is built with the same four steps, and your written offer shows each one — so you can check our work, compare it against any other offer, or take it to your own advisor.
The Formula
Your Offer = After-Repair Value − Repair Costs − Our Buying, Holding & Selling Costs − Our Stated Margin
1. After-Repair Value (ARV)
What your house would likely sell for fully renovated, based on real, recent comparable sales near your property — similar size, beds, baths, and condition after renovation. Your written offer names the comparable sales we used. No automated guess from a website you've never heard of.
2. Repair Costs
What it would cost to bring the house to that renovated condition — roof, HVAC, kitchen, baths, flooring, systems, and anything structural. We estimate repairs from an actual look at the property, and we itemize the big items on your worksheet.
3. Our Costs
Buying, holding, and reselling a house costs real money: title and escrow fees, insurance, taxes, utilities, financing costs while we hold it, and the commissions and closing costs when we eventually resell. These are estimated and shown as a line on your worksheet.
4. Our Stated Margin
We are a business, and we say so plainly. Our margin for taking on the property, the repairs, and the market risk is stated as a line on your worksheet — not buried inside the other numbers. If a line doesn't make sense to you, ask us about it. We'll walk through it.
A Worked Example
A 3-bed, 2-bath house in Phoenix that needs a roof, a new AC, and cosmetic work throughout. Recent renovated comparable homes nearby sold around $430,000.
| After-Repair Value (from comparable sales) | $430,000 |
| Minus estimated repairs (roof, AC, kitchen, baths, flooring, paint) | − $62,000 |
| Minus our buying, holding & selling costs | − $38,000 |
| Minus our stated margin | − $30,000 |
| Cash offer to the seller | $300,000 |
This is a teaching example with round, made-up numbers — not an offer, not an appraisal, and not a promise about any real property. Your actual worksheet uses your property's real comparable sales and a repair estimate from an actual visit.
Why the Offer Is Below Retail — and When Listing Wins
That last part matters, so we'll say it directly: the math above means a cash offer will normally be below what a fully renovated listing might sell for. You're trading some price for speed, certainty, zero repairs, zero showings, zero commissions, and no months of waiting.
For some sellers that's exactly right. For others — a house in good shape, time to wait, appetite for showings — listing on the open market nets more. Because Christian is a licensed Arizona agent with The Marquez Group at At Home Real Estate, we'll tell you honestly which side of that line your house falls on, and we can list it for you if that's the better move. We'd rather earn your trust than win a deal that was wrong for you.