Wholesale guide
How should you present Buyer Pay Ceiling to cash buyers?
Present Buyer Pay Ceiling as a bounded underwriting estimate, not a buyer quote or promised purchase price. State the selected ARV, BPC percentage and source, estimated rehab, and proposed wholesale fee; show the screening formula and disclose uncertainties. Then let each cash buyer assess the property's facts and their own costs, strategy, and required return.
Show the assumptions, not just a headline number
A buyer-facing explanation should let another person understand how the screen was produced. BPC estimates a bounded percentage of ARV using qualifying ZIP-level flip observations or market signals when available, or a default market rate when they are not. Identify the source state and avoid implying that a market-level estimate represents an individual buyer's decision.
Show the wholesale screen in full: (selected ARV × BPC percentage) − estimated rehab − proposed wholesale fee. Provide the ARV evidence, repair scope, and fee separately. A single residual without inputs can look more precise than the evidence allows.
- Cite relevant comps and disclose material limitations.
- Explain what the rehab estimate includes and excludes.
- Label the result as an estimate and preserve the actual fee and contract terms.
Invite buyer-specific validation
Ask buyers which assumptions they would change and why. One buyer may use a different resale plan, contractor budget, financing structure, or required margin than another. Their feedback should inform discussion, not be silently folded into a supposedly objective estimate. If feedback identifies a factual error—such as a comp mismatch or omitted repair—correct the underlying analysis and explain the revision.
Supply practical deal information alongside the estimate: condition, access, occupancy, title status if known, assignment terms, and timeline. Clearly separate verified items from seller statements or unresolved questions.
- Ask for a range or specific objection rather than demanding a yes/no response.
- Confirm a buyer has reviewed the property and terms before treating interest as actionable.
- Update estimates only when supported by new evidence.
State what Buyer Pay Ceiling does not represent
BPC is not an actual buyer quote, guarantee, prediction of sale, or complete model of financing, holding, closing, selling, and required-return costs. It does not establish an individual cash buyer's maximum. Estimates may be limited by data coverage and cannot substitute for inspection, title work, current market research, or buyer diligence.
Do not imply that the estimate confirms a deal is buyer-approved. An accurate presentation makes uncertainty visible and gives the buyer enough information to validate the opportunity independently.