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Use three numbers and one worked example to decide whether repairs will pay off or whether selling as-is nets more.

Compare your three main exits when you are behind on your mortgage: selling for cash, a short sale, or letting the home go to auction.

Opendoor and Offerpad both charge about a 5% fee, but repairs, closing costs and eligibility change what you keep. Compare them with a worked $400,000 example.

Compare iBuyers, cash investors and listing agents side by side, with a worked example showing what the same home nets through each route.

Both brands send you to independent local buyers. Here is what to compare, how offers are priced and which questions to ask before you sign.