Would You Take 80% to Be Done in 14 Days? Or do the Full Market Offer with 2 Checks?

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4 options available - 


CashCPO 1) full market value offer, money in 14 days, check one at 70% then second check when it sells

CashCPO 2) One And Done - 80% of value in 14 days

CPO Listing - you do the inspection upfront when listing - sells faster, for more money, and with less stress!

Conventional Listing - what we call grandma's listing - we'll show you how the net is most often considerably lower.

CashCPO.com - see what comes back for your home.

If the “best price” comes with months of showings, repair requests, appraisal stress, and a buyer who can still fall apart right before closing, is it really the best deal for you? I’m Rowena Patton, and I’m unpacking a simple idea that surprised even our team: many home sellers do not want to maximize every dollar. They want a clean finish line. 

We walk through the full market cash offer approach, built to remove the most painful parts of selling a house. That can mean skipping remodeling, avoiding lockboxes and strangers walking through your home, and sidestepping inspection repair negotiations that can turn into endless credits and concessions. We also explain how the “second check” works when a funding partner puts money into the property after the first closing to handle anything from cleaning and staging to larger repairs like roofing, septic, flooring, and paint, so the home can resell at its best. 

Then we get to the reason for today’s headline: the 80% One And Done. Sellers kept telling us they would rather take a straightforward cash offer, close fast, get paid once, and be finished. No waiting, no wondering, no open houses, and no emotional drag. We compare One And Done with other home selling options, including Certified Pre-Owned listings and traditional sales, and we talk candidly about when each path makes sense based on your money, timeline, and tolerance for stress. 

Want the simplest way to decide? We can show the net amounts from the different options on one sheet. Subscribe for more practical real estate guidance, share this with someone facing a move or an estate sale, and leave a review if it helped. What would you trade for certainty in your home sale?

Episode Transcript

SPEAKER_00 (00:17):
Hey, it's Rowena Patton here on the Real Estate
News Radio show.
You can go to realestatenewsradio.com to listen to any
of the topics we've covered overthe last 14 years.
Today is about, gosh, you justnever stop learning in real
estate.
There's always something new.
And this is kind of a strangeone.
So let's dive into today'stopic: the 80% one and done.

(00:39):
What on earth does that mean?
And I want to start by sayingthis very honestly.
We added this because welistened.
I listened.
It's like, wait, I can'tunderstand this.
For years now, we've offered thefull market cash offer.
It's been one of my favoriteprograms because it solves so
many of the problems sellers arefacing today.

(01:00):
With a full market cash offer,you do not have to remodel your
house.
You do not have to do all ofthose finishing things that make
selling so stressful.
You do not have to deep cleaningtill midnight, deal with the
showings, lockboxes, strangersworking through walking through
your home, inspectionnegotiations, repair requests,

(01:21):
appraisal worries, what else?
Gosh.
Or wondering if the buyer isgoing to fall apart two weeks
before closing, which happensabout 30% of the time, by the
way, with a traditional sale.
So with cash CPO, the fullmarket offer, this is our, gosh,
now we've superseded it withsomething else.

(01:42):
You get your first check, oftenaround 70%, and then our funding
partner steps in.
They put the money into the hometo do what needs to be done.
That might be a deep clean and alight staging.
It might be a roof, it might bea septic system, it might be
flooring, paint, repairs fromthe inspection report, or a
light to deep remodel.

(02:03):
So we do brand new homes thisway too.
Sometimes the home does not needmuch.
Sometimes it just simply needscleaning, staging, better
presentation, and the rightstrategy.
That's the four-market cashoffer that you can get today at
cashcpo.com.
The reason I love it is becauseit allows people to move on.

(02:25):
They can make non-contingentoffers on the next home.
They can move into seniorliving.
They can move closer to thegrandkids.
They can move to the coast.
They can move back near parents.
They can move after a divorce,settle an estate without
siblings arguing over therepairs.
I've been in that myself.
It's not fun.
Price reductions and who's goingto handle the house.

(02:47):
It's a great program.
But here's what kept happening.
People kept saying to us, thatsounds great, but I don't want
to wait for the second check.
I just want to be one and done.
And I will admit something.
That was a limiting belief formany of us who are working
within the program.
We kept thinking, why wouldsomeone take 80% when they can

(03:09):
potentially get more?
But that was us thinking likereal estate people.
That was us thinking like thefamily.
Oh no, you don't want to dothat.
Get as much money as you can.
So humans don't always thinklike real estate people.
Sellers think like humans.
And humans have life happening.
That's the big learning and thebig takeaway for us.

(03:31):
Blinding glimpse of the obvious,I call them, BGOs.
Sometimes they don't want towait for the highest possible
number if it means months ofuncertainty.
Sometimes it's waiting for thesecond check.
Sometimes they don't want toread an inspection report.
Oh gosh, let's never read one ofthose ever again.
Sometimes they don't want tohear that the roof is old, the

(03:53):
septic needs work, the crawlspace needs attention, the
paint's tired, it's so 2024.
The carpet needs cleaning andthe buyer wants a credit.
Sometimes they just want to knowwhat's my number, when do I get
it and when am I done?
And honestly, the most commonresponse that I kept getting
back from agents who weretalking to people all over the

(04:15):
country was they just want oneand done.
That's why we created one anddone.
The 80% one and done is exactlywhat it sounds like.
You get an offer based on 80% ofthe home's value.
Subject, of course, to the finalreview.
You close, you get your money,and you're done.
There's no second check.
There's no waiting, nowondering, no remodel, no

(04:38):
showings, no open houses, noinspection repair negotiations.
No buyer coming back and saying,wow, now we want$18,000 off
because of the crawl space,which by the way happens all the
time in conventional listings.
You're one and done.
Let's put that into realnumbers.
If a home is appraised at uh orvalued at$5.99, 80% is around

(05:02):
$480.
Now, is that the right choicefor everyone?
Absolutely not.
In fact, I want you to do thefull market offer.
But you keep telling me you wantone and done.
So here it is.
You've got it.
If your goal is to squeeze everypossible dollar out of the sale
and you have the time, energy,and patience and money to
prepare the home, then aconventional listing, please

(05:24):
don't do those.
A certified pre-owned listingmay be the better route.
Certified pre-owned is where youdo the inspection up front.
Please don't do a conventionallisting.
We call those grandma'slistings.
Don't do that in 2026.
If you like the idea of skippingthe showings and repairs, but
still want the potential upsideof the second check.

(05:45):
The full market cash offer maybe the better fit.
That's cashcpo.com.
CashCpo.com.
But if you're sitting here,Rowena, I hear you, you'd never
say that, you'd say Ro, butthat's the whole other story.
I want to close.
I want my money.
I want this off my plate.
I want to move on with my life.
This is exactly what one anddone does.

(06:08):
That's why it exists.
We've heard it from seniors,we've heard it from adult
children handling parents'homes.
We've heard it from divorcingcouples, out-of-state owners,
we've heard it from people withvacant homes, tired rentals, um,
short-term rentals, STRs, homethat homes that need work, and
homes that are perfectly lovely,but the owner is simply done.

(06:30):
And that's the part I want realestate agents, loan officers,
and even home owners tounderstand.
It's not always about thehighest number.
It's so hard for me tounderstand that, guys, and I get
it.
I really do get it.
Sometimes certainty has value,the speed, the privacy, not
having to talk to contractors oragents or just be done in 14

(06:52):
days.
It's that fast.
Sometimes just avoiding theemotional weight of the home
value, you know, taking thatemotional weight out, that's got
a massive amount of value indollars.
That's the hard bit for some ofus who just do money and logic
to understand.
And sometimes just being able tosay, I am done, is worth more
than we realized.

(07:13):
So now when we sit down with aseller, we can show the options.
A conventional sale, we callthose grandma sales, by the way.
Certified pre-owned sale.
That's basically where you payas the home seller for the
inspection up front.
A full market cash offer.
That's where you're getting fulldollars.
You get 70% up front.
We go in, the funding partnerlends us money to fix everything

(07:35):
on the inspection.
You don't have showings, youhave to do anything.
I love that one.
And now we've added the 80% oneand done because you asked for
it.
You pick the path that fits yourlife.
Not the path somebody elsethinks you should take, even
like me.
Don't listen to me.
Not the path an onlinecalculator spits out.
Don't do those home valuesonline, please.

(07:59):
Not the path your neighbor saysis is best, or your kids, or
your parents, or your spouse, orwhatever it is, the path that
fits your money, your timeline,your stress level, and your next
chapter.
That's what it's really about.
This is not just about selling ahouse, it's moving on with your
life.
So if you're curious what yourhome might look like up under

(08:20):
the 80% one and done, or thefull market cash offer, or a
conventional certified pre-ownedsale, we can show you the net
amount in your back pocket onone sheet.
Yes, really, it's one sheet.
It's all free.
Agents can do it to put yourlisting in.
You can do it before you'velisted your home.

(08:41):
We take it on every singlelisting appointment we go on.
So you're gonna get one sheetwith the four net amounts from
all the different ways of doingit.
So you get to choose.
It should be you, the homeowner,that gets to choose.
Not us real estate agents orwhomever else is like big yeah
in your ear.
No, it should be you.

(09:01):
Go to realestate newsradio.comfor all the episodes.
That's realestate newsradio.com.
And of course, reach out if youwant us to walk you through your
options.
You can reach us 247 828 3334483.
All these programs are availableeverywhere in the country.

(09:21):
This is Rowena Patton.
That's me, by the way, on theReal Estate News Radio show.
You can find all the episodes atrealestate newsradio.com.
We'll see you on the radio nextweek.