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Cash or List? Get Both Numbers Side by Side
October 5, 2026 at 4:00 AM
by Rob Bergeron
Miniature wooden house with keys and contract symbolizing real estate transactions.

Most people selling a house get one answer. The cash buyer gives you their number. The listing agent tells you to list it. Each one pitches the only thing they sell.

We do both, so we can show you both. Send us your address and how to reach you, and we'll come back with two numbers side by side: what investors will pay you in cash, and what we think your house sells for on the open market with Winner Realty. You look at both and pick. No pressure, no cost, and you're not signing anything to see them.

Get my cash-or-list numbers

Option 1: Cash offers, plural

Most "we buy houses" companies are one buyer. One buyer never has to compete with anybody, so there's nothing pushing their number up.

Rob Bergeron, who owns Winner Realty, also co-owns OffMarket.deals, a private marketplace with more than 70,000 investor buyers. Instead of one investor naming a price, your house can go in front of the investors who actually buy houses like yours, at the same time, and they compete for it. Competition is what moves a cash price up.

Cash usually means you sell it as-is (no repairs, no cleaning, no showings), and you close without waiting on a buyer's bank loan.

Option 2: List it with Winner Realty

Listing means your house goes on the MLS (the Multiple Listing Service, the database every agent in the area searches), and every kind of buyer can bid on it: families, investors, and agents bringing their own buyers. That's usually how you get the highest price.

It takes longer than cash, and buyers will usually want an inspection. But it doesn't have to be slow. We get listings live on the MLS within 3 business days of signing.

Want to see what you'd walk away with after commission and closing costs? Try our seller net proceeds calculator.

Why we show you both numbers

Because the right answer depends on you, not on what we'd rather sell. If your house needs a lot of work, or you need to be out by a certain date, cash might win. If your house is in decent shape and you have a couple of months, listing usually puts more money in your pocket. Seeing the two numbers next to each other makes that decision a lot easier, and it keeps everybody honest, us included.

Extras we can build into your sale

Selling a house isn't just a price. It's where you're going to live next, and when. So we can work these into the deal, whichever way you sell:

Flexible closing dates

You pick the day. Need to close fast? Cash sales can close quickly once the title work is done. Need more time to find your next place, wait for school to let out, or line up a move? We can push the closing date out to fit your schedule.

Short-term leaseback

A leaseback means you sell the house, get paid at closing, and then stay in it for a while as a renter. You pay the new owner rent for an agreed-upon stretch (sometimes a few days, sometimes a couple of months), then move out on the date you all agreed to in writing. It's a good fit if you need the money from the sale to buy your next house, or you just don't want to move twice.

Help with moving costs

Moving costs money, and sometimes that's what's holding someone back. In some situations, we can help cover part of the cost of your move. Ask us about it when we talk.

A place to stay in between

If your next home isn't ready yet, we can help you line up short-term or mid-term housing. A mid-term rental is usually a furnished place you rent for one to six months, longer than a hotel but shorter than a normal one-year lease. Our agents work rentals every day, so we can help you find something that fits while you figure out your next move.

How it works

  • Send us your address and how to reach you. It takes about 30 seconds.
  • We reach out, ask a few questions about the house and your timeline, and look at it if it makes sense.
  • You get both numbers: the cash offers and our honest estimate of a listed price, side by side.
  • You pick the path, the closing date, and any extras you need. Or you pick neither, and that's fine too.

Get my cash-or-list numbers

Houses and situations we see every day

Inherited houses and probate, rentals with tenants still in them, houses that need a lot of work, job relocations, divorce, falling behind on payments, and owners who just want to be done. Whatever it is, we've probably seen it, and we won't judge. If you want to read up first, start with the ways to sell your house in Louisville, what selling as-is actually means in Kentucky, or red flags to watch for in a "we buy houses" offer.

Frequently asked questions

Does it cost anything to get the two numbers?

No. Getting your cash offers and a listing estimate is free, and you're not obligated to do anything with them.

Are you realtors or cash buyers?

Both, in a way. Winner Realty is a licensed real estate brokerage in Kentucky and Indiana, so we can list your house on the MLS. Through OffMarket.deals, we can also put your house in front of tens of thousands of investor buyers for cash offers. Rob Bergeron owns Winner Realty and co-owns OffMarket.deals, and we tell you that up front so you know exactly who you're dealing with.

How do you come up with the cash offers?

Investors look at what the house would sell for fixed up, take out the cost of repairs, take out their own costs to buy, hold, and resell it, and leave room for a profit. The difference with us is that more than one investor is doing that math at the same time, competing for your house.

What is a leaseback?

A leaseback lets you sell your house, get paid at closing, and keep living there as a renter for an agreed amount of time. You pay rent to the new owner, and you move out on the date written into your agreement. It's useful if you need your sale money to buy your next house, or you need a little more time to move.

Can I pick my closing date?

Yes. Cash sales can close fast once title work is done, or we can set the closing further out to match your move. The date gets written into your contract so everybody is on the same page.

Do you help with moving costs?

Sometimes. It depends on the house and the deal, so we can't promise it on every sale, but it's worth asking about when we talk.

What if I don't have anywhere to go yet?

You've got options. A leaseback can let you stay in the house after closing, and our agents can help you find a short-term or mid-term rental (usually a furnished place for one to six months) while your next home comes together.

Do I have to make repairs or clean out the house?

Not if you go the cash route. Cash buyers buy as-is. If you decide to list, we'll tell you straight which fixes are worth it and which aren't.

What if I don't like either number?

Then you don't take either one. You're never obligated to sell, and we'd rather you make the right decision than a fast one.

What areas do you cover?

Louisville and the surrounding Kentucky counties, plus Southern Indiana, including Jeffersonville, New Albany, and Clarksville.

Ready to see your numbers? Send us your address, or call Winner Realty at (502) 305-8915.

Winner Realty is a licensed real estate brokerage in Kentucky and Indiana. Rob Bergeron is a licensed Kentucky real estate agent and owner of Winner Realty, and a co-owner of OffMarket.deals. Cash offers come from independent investors, and any leaseback, closing date, or moving help is subject to the final written agreement. Equal Housing Opportunity.