Clever Offers: Find the Best Cash Offers for Your Home

Clever Offers is a free service that helps you find the most competitive cash offers for your home.

Sellers can explore a variety of offer types, ranging from traditional cash offers from investors to more modern cash offers with an initial upfront payment, plus a second payment following an open market sale handled by a top listing agent.

Powered by the 5-star rated Clever Real Estate, the platform makes it easy to weigh your options — without any added fees or pressure to move forward.

Curious how much you could get for your house? Answer a few quick questions, and get competing offers from investors, iBuyers, and more. Review offers without obligation and sell in as little as 7 days. 

Who does Clever Offers work best for?

Clever Offers is for homeowners who want a quick, convenient home sale without compromising on price. It allows sellers to explore all available cash offers in their area to ensure they're getting the maximum value for their home.

While Clever Offers provides solutions for most home sellers, its cash offer platform may be a particularly good fit if you:

• Need to sell quickly due to relocation or a change in circumstances
• Are behind on your monthly mortgage payments
• Have a home that needs a lot of repairs
• Have a rental property you'd like to be rid of
• Have inherited an unwanted property
• Are helping a parent downsize from out of state
• Want to avoid the hassle of a traditional sale (showings, staging, etc.)

Buyers in Clever's network purchase homes in any condition, and Clever ensures that they have the track record and cash to close.

Clever's team can also help you explore alternative selling options that may net you more money without having to commit to a lengthy home sale process.

Clever Offers: Your Options

One of the main benefits of Clever Offers is that it can expose your property to multiple investors employing various offer strategies — some of which can get you a higher price than a traditional cash offer.

Investor Offers

✅ Best for: Quick sales for homes that need work

This option connects you to vetted real estate investors for fast cash offers. Here's how it works:

• Clever will connect you to investors whose 'buy box' matches your property details.
• The investors will schedule a time to view your home. 
• After viewing the property, you'll get an offer from the investor. 
• If you like the offer, you and the investor will agree on a closing date. 
• You'll close and get paid in cash. 

Every buyer in Clever's network has verified proof of funds and a proven track record of successful transactions. You'll also have a dedicated point of contact from Clever's team to help you find the right offer and ensure the buyer follows through on their end of the deal.

7 Day Sold

✅ Best for: Getting the highest possible offer

The 7 Day Sold option works a bit differently than the Instant Cash Offer. With this option, a licensed real estate agent runs a competitive bidding process to market and sell your home for cash within a 7–14 day window. 

Here's how it works:

• Our licensed partner agent calls you to set up a meeting. 
• They come visit your home to take photos and give you a more accurate offer estimate. 
• If you decide to proceed, the agent runs a seven-day competitive bidding process. 
• You'll start getting offers from qualified, vetted cash buyers. 
• You can cancel anytime without penalty, if unsatisfied. 

The key benefits of this option are that it maximizes visibility for your property, attracting competitive bids from multiple buyers. This extensive exposure often translates into receiving higher cash offers than you might otherwise achieve. 

Additionally, the process requires no showings or open houses, offering a convenient and streamlined selling experience.

Instant Cash Offer

✅ Best for: Convenience of a cash sale for homes in good condition

The Instant Cash Offer offers a solution for sellers who want the assurance that their home will sell quickly without compromising on price. 

Under this program, a cash offer is made on the seller's home, providing immediate access to 80%+ of the home's equity. After the initial closing, the home is listed on the market, allowing the seller to gain additional proceeds from the market sale.

This program offers several key benefits, including the certainty of a guaranteed sale when you need to move on a particular timeline, the ability to skip home showings (these will be handled by your agent after you move), and ability to collect a second payout when your home sells again on the open market.

Costs for this program include a service fee of about 7% (paid to the buying partner, not to Clever), plus whatever commission you decide on with your listing agent.

Seller Financing

✅ Best for: Sellers who don't need cash now and would prefer a higher payout over time

"Seller financing is best for folks who own the property outright and would like to cash flow over time," says program manager Drake Shadwell. "It's also perfect for people who want to rent out their property for the cash flow and tax benefits but don't want to become landlords."

With this type of solution, the buyer will make a down payment directly to the home seller and pay off the remaining balance in monthly installments — usually over 3–10 years, as agreed on in the contract. 

The buyer will deliver a final "balloon payment" for the remaining amount owed at the end of the contract term.

Because the seller is free to charge the buyer interest, you can usually make as much as 110–120% of your property value over time. 

Another benefit of seller financing is that home sellers can usually avoid paying capital gains taxes, since the payout happens in increments rather than in one lump sum.

Alternative option: Subject-to agreement / mortgage assumption

✅ Best for: Sellers who are behind on their mortgage payments

With a subject-to agreement (also known as a mortgage assumption or wraparound mortgage), a buyer will take over the existing mortgage from the seller — freeing them from future obligation. 

However, this option is typically a last resort, best suited for homeowners who are upside-down on their mortgages and facing imminent foreclosure, with very limited options due to little or no equity.

In a subject-to agreement, an investor usually makes a down payment of about 10–20% on the property and signs a promissory note that wraps around the existing mortgage. 

Although this arrangement removes immediate financial burdens on the seller, it carries risks, since the original seller’s credit is at stake as their name remains on the mortgage until it is fully paid off.

How much will I get for my house with Clever Offers?

A Clever survey of more than 700 real estate investors found that investors typically aim to offer between 65% to 70% of a home's after-repair value (ARV) — it's potential worth after fixing it up — with a median offer of 67.5%. 

For example, if a home has an ARV of $200,000, the median offer would be $135,000.

However, the actual amount of money an investor will pay for your house depends on a variety of factors, including your home's condition and location, as well as the buyer's investment strategy.

When an investor lands a deal, they usually employ one of several possible strategies:

• Fix and flip the house for resale
• Turn the house into a rental property
• Wholesale the property to another investor
• Set up a rent-to-own agreement with a tenant-buyer

Each of these approaches comes with varying degrees of risk and short- versus long-term costs for the buyer — and, therefore, influences the price they'll pay for your home.

Rental property investors may offer as much as 85% of the market value for your property. At the same time, those who employ rent-to-own agreements can often get you full market value or above for your house — although the payoff will happen in monthly payments made over time, instead of immediately.

iBuyers and other modern cash offer solutions may offer up to full value for your house, minus service fees.

Because Clever Offers connects you with a variety of offer types, you have a much higher chance of getting a better-than-average cash offer for your home.

Pros and cons of Clever Offers

Key benefits of Clever Offers

✅ Greater competition

With Clever Offers, you can access a broad network of legitimate cash buyers, ranging from local investors to iBuyers like Opendoor. Rather than having to go out and find buyers on your own, you make a single call to Clever, and they'll shop your property to multiple parties ready to make a cash offer. 

Clever Offers also provides a unique advantage by allowing you to compare different selling methods. Their cash offer partners include:

• Investors who operate on a local, regional, or national scale
• iBuyers like Offerpad and Opendoor, which pay more for homes in decent condition;
• Hybrid options providing cash upfront to fund your move, plus a second payout following an open market listing.

With more options on the table, you can make a more informed decision about which approach is right for you. 

Clever can also match you with a top-rated local realtor who may be able to net you more by putting your home on the market as is, targeting cash buyers specifically. There's no long-term commitment when you go with this option — you can cancel at any time and fall back on a cash offer you already have in hand.

✅ Legitimate buyers

One of the greatest benefits of working with Clever Offers is that you can trust that their buyers are legit. 

Rather than tracking down buyers and verifying their credentials yourself, Clever does the work for you. However, once connected to a buyer, you're free to look them up online, check out reviews from past customers, and ask them any questions you'd like before moving forward with an offer. 

Clever also recommends getting contracts reviewed by a personal representative such as an attorney or realtor before signing for added peace of mind.

✅ Flexible options 

Clever Offers specializes in providing various quick-sale methods, allowing you to make the best decision for your home sale. You can compare traditional cash offers, a short-term MLS listing, or hybrid options providing cash equity upfront and a second payout after closing. Each option has unique benefits, and Clever helps you understand these to ensure you choose the most suitable approach.

You can also request a comparative market analysis (CMA) from a local realtor or two within Clever's network to compare offers against your home's estimated market value.

Once you have all the information, you have the flexibility to accept a cash offer, explore the 7 Day Sold option for a quick closure, or opt for an Instant Cash Offer to capitalize on immediate equity access. 

If you go the traditional route and list your home, partnering with a Clever agent offers discounted commission rates—typically about half the usual cost.

However, there's no pressure to commit to an offer or listing, so if you decide Clever Offers isn't for you, you can walk away without complications.

✅ Full support 

The Clever Offers team stays involved in the process from start to finish. 

They'll explain exactly what you can expect from the process, connect you directly with cash buyers, and answer any questions you have about the various offers you receive.

They're also available to track down additional buyers or connect you with a realtor if you want to explore more options after getting an initial round of offers.

While Clever doesn't technically represent you or the seller during the transaction, they're there to ensure everything goes smoothly.

If you're concerned with how things are progressing or the transaction hits a snag, the team will troubleshoot any issues and follow up with the buyer on your behalf. 

Downsides of Clever Offers

⚠️ Potential for below-market offers

Even with multiple cash buyers making bids on your property, selling to an investor usually means accepting less than your home's potential open market value.

Many investors — including some of the cash buyers in Clever's network — base their offers on the 70% rule, meaning they'll offer no more than 70% of the home's potential market value after repairs.  

However, recognizing that traditional investor offers might not meet every seller's financial goals, Clever developed the 7 Day Sold option. This program is designed to bridge the gap between quick cash sales and the higher potential payout of a market sale. It allows your home to be exposed not only to investors but also to retail buyers, who may be willing to pay closer to market value.

⚠️ You'll still need to do your due diligence

While Clever thoroughly screens its buyers and is available to address any questions or issues during the process, it doesn't technically represent you or the buyer during the sale. 

Its team can't advise you on which offer to accept or how to negotiate. Therefore, the company still recommends reviewing your offer contract with an attorney or realtor before signing. 

That said, Clever's team will do what it can to get you the most competitive offers to choose from and ensure the buyer follows through. They can also connect you with a trusted local realtor from their 5-star rated network to represent your interests as you consider offers and weigh your options.

How Clever Offers works

1. Request an offer

You can call the Clever Offers team directly at (833) 725-3837 or fill out an online form with your contact info and basic information about your home. Clever usually responds within 1–2 hours.

2. Look for a call from Clever's team 

Before reaching out to buyers on your behalf, a member of the Clever Offers team will give you a call (or contact you by text or email, if you prefer) to let you know what to expect from the process and gather any remaining info, including:

• Why you're looking to sell
• Your time frame for selling
• A rough idea of your home value
• Your home's condition, including any major repair work needed or recent renovations
• Any issues with the property, such as problem tenants or financial complications
• The types of offers you'd be interested in pursuing (cash offers, seller financing, open market listing, etc.)
• Any questions you have about the offer process

Once you give Clever the green light, its Offers team will contact its buying partners on your behalf. 

3. Connect with cash buyers

Clever will facilitate introductions to prospective buyers through text or email, allowing you to schedule a time to connect and discuss your property. Each introduction will include the prospective buyer’s name, contact details, their affiliated company, and your property address to help them prepare.

In addition to standard cash purchases, Clever also offers programs like 7 Day Sold and Instant Cash Offers, which you can discuss with your assigned team member. Typically, buyers will reach out to schedule a discussion about their offer, providing you with a chance to immediately respond or to first conduct some background research by checking out their website and reading customer reviews.

This process is designed to let you thoroughly vet potential buyers and compare different selling strategies.

4. Review your offers

Once you've had a chance to connect with the buyers and see what they'll offer for your house, you have a few options:

• Accept the best offer and move forward with a contract
• Ask the team to introduce you to additional buyers
• Pursue other options

If you're on the fence about accepting a cash offer, you can also ask Clever to connect you with a local realtor or two to see what they think your home can sell for on the open market. 

Just like with your cash offers, there's no obligation to move forward with a listing. It's simply another avenue to explore. 

5. Sell your home

At this point, you'll have all the information you need to either (1) accept a cash offer, (2) list your home on the open market, OR 3) pursue options outside of Clever.

If you accept a cash offer, the closing date will likely be up to you and you may be able to close in as little as one week. If you list on the open market, your listing agent will negotiate the sale price and closing date on your behalf.

⚡️ Sell in as little as 7 days for the highest cash price.

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