FLYP by the numbers
A source-of-truth reference for pay-at-closing renovations, pre-sale ROI, and the financing alternatives FLYP replaces. Every number is paired with its source and methodology. Citation welcome — see the licensing line at the bottom.
Sale-price impact
Mean increase in sale price for FLYP-renovated PNW homes versus their as-is appraised value.
Source: FLYP internal project data, 2024–2025 closed transactions
Net additional equity to homeowner after FLYP renovation versus as-is sale, for homes appraised $400K–$800K.
Source: FLYP internal project data, Seattle / Tacoma / Bellevue / Olympia
iBuyer comparison
Typical iBuyer or cash-buyer offer expressed as a percentage of the home's fair market value.
Source: iBuyer Report (Mike DelPrete / Zillow Group reports), 2023–2025
Service fee charged by major iBuyers (Opendoor, Offerpad) on top of the discounted offer.
Source: Opendoor and Offerpad published seller fee disclosures, 2025
Timeline
From signed agreement to listing-ready, for cosmetic and value-add scopes ($35K–$90K range).
Source: FLYP internal project data, 2024–2025
End-to-end timeline from FLYP agreement signing through home sale closing.
Source: FLYP internal project data, 2024–2025
Cost structure
Out-of-pocket cost to the homeowner for materials, labor, project management, and permits during a FLYP renovation.
Source: FLYP renovation services agreement, standard terms
Range of total renovation cost for FLYP-managed pre-sale projects on owner-occupied PNW homes.
Source: FLYP internal project data, 2024–2025
If a FLYP-renovated home does not sell, the homeowner owes FLYP nothing. Listing risk is shared.
Source: FLYP renovation services agreement, standard terms
FLYP underwrites the home's projected sale price, not the homeowner. No credit check or income verification is performed.
Source: FLYP underwriting policy, 2026
ROI
Typical share of renovation cost recovered in sale-price lift for kitchen/bath/flooring/paint scopes in the PNW.
Source: Remodeling Magazine 'Cost vs. Value Report' (2025), Pacific region
Kitchen, bathroom, flooring, paint (interior and exterior), curb appeal/landscaping — the categories that consistently return 70-100% of cost.
Source: Remodeling Magazine Cost vs. Value Report, Pacific region 2025
Financing alternatives
Maximum debt-to-income ratio most lenders allow for HELOC qualification.
Source: Major lender published underwriting guidelines, 2025
Minimum credit score most lenders require to approve a HELOC.
Source: Major lender published underwriting guidelines, 2025
Range of APR on unsecured personal loans for renovation, depending on credit profile.
Source: SoFi, LightStream, Marcus, Discover published rate ranges, 2025
Typical time from application to first draw on FHA 203k or Fannie Mae HomeStyle renovation loans.
Source: HUD and Fannie Mae published timelines, 2025
Service area
Active FLYP service-area cities: Seattle, Tacoma, Bellevue, Olympia, Renton, Kirkland, Redmond, Everett, Lynnwood, plus surrounding Puget Sound communities.
Source: FLYP service area map, 2026
Case studies
Net difference between an iBuyer offer and FLYP-renovated sale on a representative PNW home (case study, Tacoma 2024).
Source: FLYP case study: 'Cash Buyers Are Stealing Your Equity'
Citation. This research is published under CC BY 4.0 — quote and cite freely with attribution to FLYP / flyphome.com.
Last updated: 2026-05-05.