How NestBridge Calculates Your Cash Offer — The Full, Transparent Breakdown

The Formula We Use

Every NestBridge offer is calculated using the same transparent formula:

Your Offer = ARV − Repairs − Costs − Our Margin

Here's what each component means:

After-Repair Value (ARV)

ARV is what your home would sell for on the open MLS market after being fully renovated to current standards. We determine this by:

• Reviewing recent comparable sales (comps) within 500m–1km of your property
• Adjusting for square footage, bedroom/bathroom count, lot size, and features
• Accounting for Ottawa neighbourhood-specific market conditions
• Using conservative estimates — we'd rather under-promise and over-deliver

Repair Estimate

We estimate the full cost to bring the property to market-ready condition. This includes:

• Kitchen and bathroom updates or full renovations
• Flooring, paint, and finishes throughout
• Mechanical systems (HVAC, electrical, plumbing) as needed
• Roof, windows, foundation, or structural issues
• Landscaping and exterior improvements

We use Ottawa contractor pricing and apply a 10–15% contingency buffer for surprises. We'd rather build in margin than come back to you for a price adjustment.

Our Operating Costs

• Closing costs (land transfer tax, legal fees): typically $6,000–$10,000
• Carrying costs while renovating (mortgage/financing, taxes, insurance): typically $2,000–$2,500/month × average 4-month project
• Selling costs after renovation (commissions, staging): typically 4–5% of ARV

Our Margin

We're transparent: we need to make a profit to stay in business. Our typical operating margin is 8–15% of ARV. This is how we pay our team, fund our operations, and take on the risk of renovation projects.

When our margin feels too large relative to a seller's equity, we'll tell you honestly — and in some cases a traditional sale may serve you better. We'd rather lose a deal than take advantage of someone.