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Instant Cash Offer Calculator

Calculate your cash offer price in seconds using as-is property values — no comps or repair estimates needed. Enter estimated values from Zillow, Redfin, or Realtor.com and instantly get your offer price, max buy price, wholesale fee, and a negotiation range. Pair it with the Instant Creative Offer Calculator to give every seller two real options.

Enter estimated as-is values from online sources like Zillow, Redfin, or Realtor.com. The calculator averages all non-zero values to determine the property's as-is value.

Results
Your Offer Price
$109,500

Your opening offer — a low anchor starting point with room to negotiate up to your max buy price.

Negotiation Range

Start at your offer price and negotiate up. Never go above your max buy price.

Offer
$109,500
Target
$127,750
Max Buy
$146,000
Average As-Is Value
$285,000

The average of your non-zero value estimates

Exit Price (60%)
$171,000

The discounted price a cash buyer will pay for this property

Wholesale Fee
$25,000

Your gross wholesale assignment fee, based on the pricing tier

Max Buy Price (51% of value)
$146,000

The most you should pay — exit price minus your wholesale fee

Offer at 75% of Max Buy
$109,500

Pricing tier: $201k – $300k

Seller turned down your cash offer? Try terms.
Run the same property through the Instant Creative Offer Calculator. If the seller doesn't need all of their equity in cash today, better-than-market seller-financing terms usually let you offer a higher price and still come out ahead. Opens in a new tab so you can compare side by side.

Want more? Get it in GoFlexi

These free tools preview GoFlexi's Instant Mode — run the cash and creative offers together, save your presets, and copy a ready-to-send seller message. The full calculator goes deeper on every seller-finance structure.

Cash + creative, side by side
Run both offers on one property and compare instantly in Instant Mode
More entry options
Interest-only, principal-only, and deferred (payment-holiday) entries — each re-prices terms value
Outreach + saved presets
Auto-filled seller message, plus saved buy-box tiers and creative defaults
More exit options
Balloon exits with optional step-up (escalating) interest rates on a fixed schedule
Terms value, combined
Value your terms across every entry option and wrap mortgages
Live amortization chart
Visualize principal vs interest over time
Extra principal payments
Monthly, yearly, or one-time — see months and interest saved
Tax benefit estimation
Bracket-aware capital gains modeling on installment sales
Wrap mortgage modeling
Spread profit, seller cash flow, and both schedules
PDF export
Export the full schedule and summary

...and more — full deal-structuring, resources, lessons, and community access.

About This Instant Cash Offer Calculator

The as-is instant cash offer method lets real estate wholesalers and cash buyers make fast, all-cash offers without spending time on comps or repair estimates. Instead, it uses readily available online value estimates from sites like Zillow, Redfin, and Realtor.com to calculate a profitable offer price based on proven pricing tiers.

This calculator applies a tiered formula that adjusts the exit percentage, wholesale fee, and offer discount based on the property's average estimated value. If you're close to making a deal work, feel free to adjust your wholesale fee in the advanced settings — even a small change can make the difference between winning and losing a deal.

This is the cash side of the offer toolkit. When the seller doesn't need all-cash today, you can usually offer a higher price on terms using the companion Instant Creative Offer Calculator. Presenting both numbers — a clean cash offer and a higher seller-financed offer — gives sellers a real choice and gives you a much better chance of winning the deal.

Related calculators

Instant Creative Offer Calculator

Instant creative offer with seller financing and live terms-value math. Companion to the Cash Offer Calculator.

Home Selling Cost Calculator

Estimate total commissions, fees, and closing costs when selling your home.

Double Closing Calculator

See your net profit on a double close after two sets of closing costs and transactional funding — and exactly what keeping your spread private costs versus assigning.

Frequently Asked Questions

What is the as-is instant cash offer method?

The as-is instant cash offer method is a wholesaling strategy that lets you calculate a cash offer price using a property's estimated as-is value from online sources like Zillow, Redfin, and Realtor.com. Instead of running comps or estimating repair costs, you apply a tiered formula based on the property's value range to determine your exit price, wholesale fee, and offer price. It's designed for speed — you can make an all-cash offer instantly.

How does the instant cash offer calculator work?

Enter one or more as-is value estimates for a property. The calculator averages the non-zero values, then looks up the corresponding pricing tier to determine the exit percentage (what a cash buyer will pay), wholesale fee, and offer discount. It calculates your exit price, subtracts your wholesale fee to find your max buy price, then applies an offer discount to give you a starting negotiation point.

What exit percentage should I use for wholesale deals?

Exit percentages vary by property value. Lower-value properties (under $100k) can be around 35%. Mid-range properties ($200k–$300k) can be around 60%, and higher-value properties ($400k–$500k) can go up to 70%. These are starting points — adjust them in the advanced settings to match your local market.

How much should a wholesale assignment fee be?

Wholesale assignment fees can range from $10,000 on lower-value properties to $40,000 or more on properties valued over $400k, adjusted as needed for your market. You can adjust the fee for each price tier in the calculator's advanced settings.

What is the difference between offer price and max buy price?

Your max buy price is the absolute most you should pay for a property while still hitting your target wholesale fee. Your offer price is lower — it's a strategic starting point designed to give you room to negotiate upward. The gap between them is your negotiation range. Always start at the offer price and work up toward the max buy, never above it.

What if the seller won't accept my cash offer?

Cash isn't the only lever. If the seller is anchored to a higher price, run the same property through the companion Instant Creative Offer Calculator — if the seller doesn't need all of their equity in cash today, you can often offer a higher purchase price using better-than-market financing terms. The seller gets a number closer to (or above) their asking price; you get a deal that still works because your cheap financing converts to purchase-price headroom.

Can I wholesale without knowing repair costs?

This calculator is designed for making a quick cash offer based on estimated as-is values — no repair estimates or ARV comps needed. However, if you're proceeding with a deal, make sure to do the full analysis including inspections, repair estimates, and accurate comps before committing to a purchase.

Where can I learn more about the instant offer method?

The as-is instant offer formula was popularized by Jerry Norton, a well-known real estate investing educator. You can watch his full explanation of how the formula works on YouTube. This calculator was inspired by his approach.

What is a maximum allowable offer (MAO)?

A maximum allowable offer (MAO) is the highest price you can pay for a property and still make a profit on the wholesale deal. In this calculator, the MAO is equivalent to the max buy price — calculated by taking the exit price (what a cash buyer will pay) and subtracting your wholesale fee. Never offer above your MAO.

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