Читать книгу Magic BPO Success Secrets - Cory Ph.D Boatright - Страница 9

Dealing with “Pretty House“ type short sales (categories later defined), you will find the BPO will typically come in 10-20% lower than FMV or ARV. Based on this, you might consider offering 60% of the ARV or FMV value for your initial purchase offer. Of course, this depends on the amount of repairs needed for the property. If you have what can be classified as a “Pretty House“ type short sale, which would show very little needed repairs, DO NOT expect to get a huge discount from the lender for it.

If you cannot JUSTIFY a reason for the lender to accept a large discount (no supported sold comps anywhere near your offer price, no repairs needed, houses has equity, house is in a great neighborhood and houses are selling fast there, etc.) don't expect the lender to give you one. This also dispels the myth that all houses heading towards foreclosure are good short sale candidates. They are not.

Here are some classifications and examples to make it easier to determine how much of a loss the lender may agree to accept.