30-Second Decision Tool
Which Selling Option Fits Me?
Three questions, one recommendation. The math underneath is shown — change any answer and the recommendation updates instantly.
Should I sell to a cash buyer, an iBuyer, or list with an agent?
A local cash buyer is the right call when you need to close fast, the house needs work, or you don't want to pay commissions and handle repairs. An agent makes sense when your house is in good shape, you can wait 60–120 days, and you're willing to pay roughly 5–6% in commissions. iBuyers barely operate in South Jersey — for most Camden County homeowners the realistic choice is cash buyer vs. agent.
Last reviewed by Tom O'Donnell, owner.
Your situation
Best fit
—
Example net on a $300,000 NJ house
A rough estimate, not an offer. Your real numbers depend on the house, the market, and the buyer.
- Local cash buyer—
- iBuyer (Opendoor / Offerpad)—
- List with an agent—
Cash ≈ 68–72% of value minus repairs. iBuyer ≈ value minus ~5% service fee minus repair credits (and they rarely buy in South Jersey). Agent ≈ value minus 6% commission, ~2% closing, repairs you fund, ~3% holding costs.
How the recommendation is decided
Urgency overrides everything. If you need to close this week, only a local cash buyer can realistically do it — agents take 60+ days and iBuyers take 14–60.
Condition is a tie-breaker. Houses needing major repairs are rejected or heavily discounted by iBuyers and hard to list traditionally. Move-in ready opens up every path.
Fee tolerance decides between cash and agent when you're not in a rush. Willing to pay ~5–6% + fund repairs for top dollar? Agent. Want speed and zero fees? Cash.
Read the full breakdowns: cash vs. iBuyer vs. agent, cash offer vs. agent, how to pick a cash buyer.
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