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Spruce Homes
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How we calculate your offer

How we come up with the number

We are a buyer. We make our money when we resell the house, and we would rather show you how the number works than ask you to trust us. Here is every step of it.

What we actually do

  1. 1

    We look at what a fixed-up house on your street sells for

    Recent sales, same neighborhood, similar size.

  2. 2

    We walk the house, in person or on video

    We add up what it needs. Roof, systems, kitchen, anything structural.

  3. 3

    We subtract the work, our selling costs, and our margin

    We tell you what that margin is. Every buyer has one. Most will not say the number out loud.

  4. 4

    You get the offer in writing

    No commission, no closing costs, no fees. If listing it would net you more, we will tell you that instead.

The four numbers

  1. Number 1

    After-repair value (ARV)

    What your home would sell for, fully repaired, based on recent comparable sales.

  2. Number 2

    Estimated repair cost

    What it actually costs to bring the home to that fully-repaired condition.

  3. Number 3

    Our selling costs

    Agent commission, closing costs, and holding costs while we own and resell it. About 7% of ARV.

  4. Number 4

    Our margin

    What we need to make on the resale for the repair, the risk, and the time, so we can keep buying homes.

Worked example

Example only, to show the method. Not a quote for any specific property.

Line itemAmount
After-repair value (ARV)$850,000
Estimated repair cost-$90,000
Our selling costs-$59,500
Our margin-$60,000
Your offer$640,500

$850,000 minus $90,000 minus $59,500 minus $60,000 equals $640,500. Change any of the four numbers and the offer changes with it, which is the point: you can check our work.

Want your actual numbers?

We will walk your property through this same math with you on the phone, line by line.

Get your number