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Seller stats + market pulse + your scenario
Partnership Value Index (PVI) See when a Partner Sale (Novation) can beat cash or a typical agent listing path.

The Partnership Value Index: When a Partner Sale Beats Cash & Agent Listing Benchmarks

Likely scenario • Balanced assumptions

Enter your ZIP and an As-Is value. Our engine models your seller net three waysGuaranteed Cash, Partner Sale (Novation), and a Typical Agent Listing (Benchmark only) so you can see where each path lands. We do not use this tool to offer listing representation; the agent lane is a comparison benchmark, not a listing offer.

  • As-Is value is best for accurate results. If you truly don't know, use the “I don’t know” button and we’ll approximate a starting point from your ZIP and basics.
  • Auto-scores things like Market Stability (Local Stability Index LESI), Buyer Demand Trend (Buyer Demand Index BDI), Property Readiness (Footprint & Operating Simplicity FOS), Renovation ROI (Renovation Value Index RVI), Cost Pressure (Renovation Cost Index RCI), and Closing Friction (Regulatory Friction Index RFI).
  • Transparent math with printable and savable report.
Partnership Value Index — Cash, Partner Sale, and agent listing benchmark comparison

Modeled illustration of cash, partner sale, and a typical agent listing benchmark — not an appraisal or binding offer.

On this page
View mode

Simple view hides acronyms and deep-methods so it’s easier to answer: “How much do I get?” Full view turns on the research detail.

Start here

ZIP-In Offer Modeler

Enter your details, pick a scenario, and we’ll show your estimated net for Cash, Partner Sale (Novation), and a Typical Agent Listing (Benchmark only) side by side. If you don’t know your exact As-Is value, use the “I don’t know” button and we’ll approximate a starting point.

Likely = balanced assumptions. Conservative lowers uplift & raises costs/time. Stretch assumes higher uplift & faster timeline.

Get Guaranteed Cash Offer

Estimates only. Final offers require inspection and underwriting.

Understanding the signals

What the Scores Mean (Plain English)

  • Property Readiness (FOS): How “sale-ready” the home is based on age, condition, and size.
  • Renovation ROI (RVI): How much extra equity upgrades and pro marketing are likely to unlock.
  • Market Stability (LESI): Local stability and resilience that set carry risk.
  • Buyer Demand Trend (BDI): Demand and trend that set time-to-sell.
  • Renovation Cost Pressure (RCI): Local build/repair cost and time pressure.
  • Closing Friction (RFI): Closing/permit friction measured in basis points and days.
Methods

How the Recommendation Is Calculated

  1. Normalize inputs. We map property readiness, renovation ROI, market stability, buyer demand, cost pressure, and closing friction to calibrated ranges.
  2. Cash path. cash_net = as_is × (1 − discount), where the discount reflects readiness, stability, demand, and complexity; clamped for realism.
  3. Novation (no listing fee). Estimate uplift, subtract repairs, friction, and carry; share profit, then apply one transparent Partner Service & Risk Coverage line so Novation Net stays below As-Is while often beating cash.
  4. Agent listing benchmark. Add a neutral Typical Agent Listing (Benchmark only) lane using typical agent commission and seller costs. It’s there as a comparison yardstick only — not a listing offer or representation.
  5. Decision rule. Prefer Partner Sale when it clears a threshold over cash; else Cash or a “close call.” The agent lane stays your benchmark for context.

Partner Service & Risk Coverage is ZIP-sensitive and scope/complexity-sensitive. You can A/B test alternate labels (e.g., “Partner Program Cost”) by swapping the strings in the UI text.

Solutions

Our Offer Menu

  • Guaranteed Cash — fastest exit with certainty; no showings or repairs.
  • Partner Sale (Novation) Think: “Sponsored Flip”
    We pay for the renovation & marketing. You keep the extra profit. No listing fee.
  • Hybrid — start with Partner Sale; convert to Cash on a pre-set trigger.
  • Typical Agent Listing (Benchmark only) — a neutral “what if I just list with an agent?” lane using typical agent commission and seller costs. We are not using this tool to offer to list your home or represent you as an agent.
Fit Matrix

Which Path Fits?

Signal Cash Offer Partner Sale Typical Agent Listing (Benchmark)
Property Readiness (FOS) Low Medium–High High
Renovation ROI (RVI) Low Medium–High Medium
Market Stability (LESI) Low–Mixed Stable–Very Stable Balanced–Stable
Timeline Preference Fastest Balanced / Maximize Net More showings / May take longer
Buyer Demand Trend (BDI) Soft Balanced–Hot Balanced–Strong

The agent listing column is a neutral benchmark based on typical commissions and seller costs — not an offer to list your property or provide agency representation.

Case study

From “Insulted by Cash” to “Glad We Partnered”

Scenario: As-Is $360,000; property readiness: medium; renovation ROI: high; market stability: stable; buyer demand: balanced; cost pressure: medium; friction: low. With the coverage cap, Novation Net remains below As-Is yet comes in ~9–14% above the cash net and ahead of the typical agent listing benchmark. Seller kept control; we handled scope, marketing, and timeline.

Governance

Data Governance, Audit & Fair-Use

  • Lineage. Indices derive from public datasets plus authored normalization; each has a research page with sources and revisions.
  • Versioning. Changes to weights/thresholds are logged with a semantic version.
  • Bias controls. No protected-class attributes; property & market economics only.
  • Privacy. Inputs are used solely to generate your report and follow up with consent. See our Privacy Policy.
FAQ

Common Questions

Do you charge a listing fee on novation?

No. There’s no listing fee on novation. Instead, we show one Partner Service & Risk Coverage line and pass-through normal closing friction and carrying risk. The number you see is already net of that.

Why is Novation Net below As-Is?

Conservatism and clarity. We cap Novation Net with Partner Service & Risk Coverage so it remains below your baseline while still often beating cash and a typical agent listing benchmark.

What is the agent listing benchmark?

It’s a neutral “typical agent listing” lane based on usual commission and seller costs in your price band. It helps you compare Cash and Partner Sale to “just list it.” It is not a listing offer, nor are we acting as your listing agent through this tool.

What inputs do I need?

Your ZIP and As-Is value are strongly preferred; beds/baths/size and condition refine the scores. If you’re not sure on As-Is, use the “I don’t know” button for a starting estimate.

Can cash still be better?

Yes—especially where market stability is low or buyer demand is soft. The model weights those conditions automatically.

Is this an appraisal?

No. It’s an educational estimate; final offers follow inspection, underwriting, and verified market data.

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