To List Your Home...It Needs MORE COWBELL!

Real Estate Agent with HomeSmart Real Estate BR632450000

Some things in life you just need more of. Many of us know from the old Saturday Night Live skit with Christopher Walken that we just Need More COWBELL!

See the SNL skit...MORE COWBELL!

In real estate when listing for a Seller that wants to get top dollar for their home, it is up to us as a REALTOR®  to advise them what the home NEEDS to get top dollar or MORE COWBELL!

Don't let the FHA appraiser stymie the sale.

Let me explain, the Seller does not want to do anything  and wants to sell the home AS IS. Yet the homes is below standard for a home appraisal for say a FHA loan.  A CASH Fix and Flipper Buyer will buy the home for cash at a low price giving room for the fix and flip. I as their REALTOR®  tell the Seller that by doing something (not a remodel) you can get a family that will live in the home to buy the home at a higher price if only the home will appraise with a lender without conditions.

A family that can only afford a 3.5% down payment may really want the home and is willing to fix it up over time even though it may be ugly. The key thing to tell your Seller client is that UGLY homes WILL appraise.

In an example I have had sellers reluctant to do anything but had one or more of the following conditions prohibiting an FHA appraisal without conditions:

1. Missing stove

2. Missing carpet with bare concrete showing

3. Missing light fixture with hanging wires from the ceiling

4. Peeling paint on the exterior of the home

5. Kitchen sink missing

6. Missing toilet with a hole in the floor

7. Broken window

8. Front door is boarded up

These conditions even one of them may cause the home not to appraise with an appraisal condition.

Most are rather easily fixed (MORE COWBELL).

A Buyer that is struggling to make their down payment but is handy can do these things after they move in. However, if they cannot get the FHA loan approved they will never get the home and it will likely be sold to a CASH Buyer flipper at a lower price.

Using this example, a home that is moderately fixed up (Home Depot upgrade) may sell in a neighborhood for $320,000. A similar fixer upper in the same neighborhood with FHA appraisal issues may go for $220,000 CASH to a FLIPPER. However, an UGLY home with the  FHA appraisal conditions resolved may go for $280K yes, below the upgraded home but far more than the CASH flipper price of $220K. 

The difference is putting a little money in to fix the FHA appraisal conditions to let a handy family that will live in the home and fix it up over time have a shot at the home and also qualify for their 3.5% down payment FHA loan.

This is a WIN for both the Seller and the Buyer. It just requires a little More COWBELL.

dream house

A young family may love to get the opportunity to buy a home that needs some love and some equity. A Seller can sell to this type of Buyer at a higher price than a FLIPPER Buyer.

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Jeff Masich


Scottsdale including Phoenix, Tucson and Prescott metros and throughout Arizona

Buy/Sell with Arizona Homes and Land Group. Ask me, Group Leader about Metro Homes or Ranches and Large Acreage properties throughout the state.

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Comments (6)

Laura Cerrano
Feng Shui Manhattan Long Island - Locust Valley, NY
Certified Feng Shui Expert, Speaker & Researcher

I love a good meme to illustrate a mood or feeling and it’s no different in real state! Thanks for posting!

Mar 22, 2023 10:35 PM
Jeff Masich-Scottsdale AZ Associate Broker,MBA,GRI
HomeSmart Real Estate - Scottsdale, AZ
Arizona Homes and Land Group/ Buy or Sell

You are right Laura Cerrano and I think MORE COWBELL is good for everyone! Jeff

Mar 22, 2023 10:57 PM
Patricia Feager, MBA, CRS, GRI,MRP
Selling Homes Changing Lives

Jeff Masich-Scottsdale AZ Associate Broker,MBA,GRI - thanks for the entry to the March to a Solution|ActiveRain March 2023 Challenge. This was an interesting illustration of how using "more cowbell" can help a Seller get "top dollar" in the real estate market when the condition is less than average. It all boils down to having many conversations so that the Seller clearly understands seller's net for a moderate fixer upper between a Cash and an FHA Buyer.  

Thank you for your participation and entry which is appeciated. 

Mar 23, 2023 04:54 AM
Michael Jacobs
Pasadena, CA
Los Angeles Pasadena 818.516.4393

Hello Jeff - this chorus-of-sorts of a cacophony of cowbell clamoring is classic comedy.  Is it a coincidence?  I, for one, concur that it is a standout.  

Mar 23, 2023 06:12 AM
Ann Hayden 636-399-7544
Berkshire Hathaway HomeServices Select Properties-St. Louis Missouri - Des Peres, MO

Jeff Masich-Scottsdale AZ Associate Broker,MBA,GRI ,

So true about small remodel/updates going a long way in the market especially with FHA buyers.  

Great article!

Mar 23, 2023 06:57 AM
Kathleen Daniels, Probate & Trust Estate Specialist
KD Realty - 408.972.1822 - San Jose, CA
Probate Real Estate

Hello Jeff Masich-Scottsdale AZ Associate Broker,MBA,GRI 

I love the humor you presented here in the SNL video.  I recall that from many years ago.  It is funny.  I watched it again and was laughing.

Your strategy is spot on.  When sellers have the funds they will net more and open opportunities for buyers with limited funds. 

Thank you for your participation in the March to a Solution Challenge.





Mar 23, 2023 07:44 AM