ELYSSIAN · DEAL STRUCTURING

Offer Calculator

Enter a property once. See what it's worth as cash, seller finance, sub-to, novation, and lease option — side by side, in real time.
PROPERTY DETAILS
sqft
Honest assessment
VALUATION
What comps say it's worth fixed up
$
To reach full market value
$
OWNERSHIP & DEBT
$
%
$
Amount in arrears, if any
$
SELLER SITUATION
Drives offer strategy
Unlocks seller finance, sub-to, novation, lease option
ARV
$450,000
REHAB
$35,000
POTENTIAL SPREAD
$135,000
MAX NET TO SELLER
$294,760
WHOLESALE
Assignment only · No purchase
14D CLOSE
NET TO SELLER
$49,600
$245,160 less than max
Contract price$270,000
Closing costs (2%)-$5,400
Existing mortgage payoff-$215,000
Net to seller$49,600
No capital at risk beyond EMD
Fast turnaround (2–3 weeks)
No title ownership
Requires verified end buyer
State regulation increasing
Fee capped by buyer's spread
CASH
Fastest close · Lowest offer
14D CLOSE
NET TO SELLER
$59,400
$235,360 less than max
Offer price$280,000
Closing costs (2%)-$5,600
Existing mortgage payoff-$215,000
Net to seller$59,400
Close in 14 days
No contingencies
Cash in hand fast
Lowest purchase price
Investor takes the upside
No ongoing income
SELLER FINANCENOT VIABLE
Existing mortgage balance too high
SUB-TO
Take over loan · Cash at close
10D CLOSE
NET TO SELLER
$179,020
$115,740 less than max
Total consideration$396,000
Existing mortgage taken over$215,000
Cash to seller at close$181,000
Closing costs-$1,980
Net to seller$179,020
Close fastest (10 days)
Mortgage payments stop for you
No agent commissions
Loan stays in seller's name
Due-on-sale clause risk
Smaller cash at close
NOVATION
List as-is · DOM-based pricing
60D CLOSE
NET TO SELLER
$129,455
$165,305 less than max
Guaranteed minimum$322,000
Upside share (30%)$22,455
Total projected$344,455
Existing mortgage-$215,000
Net to seller$129,455
No rehab capital required
Listed on MLS via brokerless.com
Seller participates in upside
DOM risk if mispriced
Seller can back out before closing
Market shifts during listing
MAX NET
LEASE OPTION
Monthly cashflow · Future sale
7D CLOSE
NET TO SELLER
$294,760
+ $1,795/mo income
Option fee (non-refundable)$12,960
Monthly rent for 24 months$3,375
Strike price in 24 months$432,000
Total over 24 months$509,760
Immediate monthly income
Option fee upfront
Future sale at locked price
Tenant may not exercise
You keep title/liability
Longest timeline
These are indicative ranges, not binding offers. Actual offers come from verified buyers on the platform. Cash offers use the 70% rule as a baseline. Seller finance assumes 15% down at 6.5% over 30 years with a 60-month balloon. Novation splits upside 70/30 in favor of the investor after rehab, holding, and selling costs.
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