What We Qualify —
and How We Build to It

Every Bridge2Sell deal has to pass two checks against your home's value. Not one number — two, because they protect against two different things. If a deal clears both, it qualifies.

The front-end limit (≤ 50%) keeps the cash we actually put into your deal well below half the home's value. That's the money that leaves our account at closing — your cash, your closing costs, your prepaid taxes and insurance, and the admin fee.

The back-end limit (≤ 80%) keeps your final buyback price comfortably below the full value of the home — so when you repurchase, there's always real equity between the price and what your home is worth. This is the number that carries a little more, because it's what you pay at the end.

Because these two limits sit at different points in the deal, they carry different amounts — and one item in particular, prepaid rent, lands on the back-end limit but not the front. Section 3 shows exactly why.

Your purchase price is more than the cash you ask for. On top of your requested cash, the price is built to also cover the real costs of setting the deal up and your rent for the whole term — all rolled in, so you pay nothing out of pocket at closing.

The funded subtotal is the cash that actually leaves our account for you at closing. Prepaid rent is your own future rent for the 24-month term, credited in advance and added to the price — it isn't cash we hand out, it's your rent rolled into the deal so your monthly lease is already covered.

This is the one piece that surprises people, so here it is plainly. Your total purchase price has two kinds of money in it, and they're treated differently by the two limits.

On the front-end limit, we only count what we actually fund — the $200,000. Prepaid rent is your money for your rent; we never laid it out, so it's fair (and accurate) to leave it out of the "how much did we fund" check.

On the back-end limit, prepaid rent does count — because it was rolled into the price, so it's part of the buyback amount you eventually repay. Anything capitalized into your final price has to be measured against the home's value at the end.

We take only the funded subtotal — the cash actually put into your deal, prepaid rent excluded — and measure it against your home's value.

Load prepaid rent onto the front end and the same deal would appear to break the 50% limit at 50.7%. Because prepaid rent is unfunded, the true front-end figure is a comfortable 40.0%. That's exactly why the distinction matters.

Here we use your Year-2 buyback price — the full 24-month repurchase, prepaid rent included, since it's rolled into that price — against your home's value.

At the end of the term, the buyback price sits at 72% of value — leaving roughly $140,000 of equity (28%) between what you repurchase at and what the home is worth.

While the agreement runs, you stay in the home as the tenant. Your rent for the full term is already prepaid inside the purchase price — so there's nothing new to pay monthly out of pocket — and you hold the option to buy the home back at a set price.

The figures on this page are an illustrative sample built on round numbers to explain how a Bridge2Sell deal is structured; your actual numbers come from a proforma prepared on your own property, request, and firmed value. The monthly lease is 1.115% of the funded subtotal; prepaid rent equals that monthly figure across the term. Buyback prices reflect the option/exit fee schedule and, on an early (Year-1) repurchase, are reduced by any unused prepaid rent and insurance credited back to you. The 50% front-end and 80% back-end limits are internal qualification thresholds measured against your home's value. This document is not an appraisal, a loan, an offer, or a commitment to fund, and creates no obligation on either side.