Two offers on one composite ranch, netted to the dollar and dated contingency by contingency, show in the MT361 Unit 8 purchase offer analysis why the lower price nets more. Searches like "mt 361 unit 8 assignment example", "mt361 unit 8 sample" and "mt361 unit 8 example" land here.
What a finished MT361 Unit 8 purchase offer analysis looks like
Five pages: a side-by-side summary, a net sheet and a deadline table. Offer A is $306,000 with FHA financing at 3.5 percent down, $9,000 in seller concessions, a request that the sellers pay the buyer's broker [2.5] percent, ten-day inspection and lead-based paint windows, a thirty-day financing contingency and a forty-five-day close. Offer B is $299,000, conventional with 20 percent down, no concessions, a seven-day inspection, a twenty-one-day financing contingency, appraisal-gap coverage up to $6,000 and a thirty-day close. After the [2.5] percent listing fee, a bracketed [1] percent transfer tax, $1,450 in settlement charges and an $88,400 payoff, A nets $188,790 and B $198,685. The deadline table dates each contingency, and a closing section weighs the risk each one carries.
How a MT361 Unit 8 example is structured
Money first, then time, then risk, because sellers ask in that order and the analysis answers each before the next. The net sheet converts both prices into proceeds line by line, and the $9,895 gap in B's favor appears before any contingency is discussed. The deadline table follows, every contingency counted from acceptance in calendar days, with Calder's [three-business-day] attorney review bracketed as a state-specific step. Risk is left for last and handled contingency by contingency: who can exit, until when, and whether earnest money is at stake. The FHA appraisal receives a paragraph of its own, since for a 1962 house the appraiser will likely flag the peeling garage trim as a required repair, and the amendatory clause lets that buyer leave if value falls short. The recommendation, to accept B and invite A to stand as a backup, closes the paper.
Proceeds, not price
The net sheet subtracts concessions, the requested buyer-broker payment, the listing fee, transfer tax, settlement charges and the mortgage payoff from each price. Offer A's $7,000 lead becomes a $9,895 deficit once its $16,650 in requested payments is counted.
Every contingency, dated
From a Monday acceptance on April 13, Offer B's inspection ends Monday, April 20, its financing contingency Monday, May 4, and closing falls on Wednesday, May 13. Offer A's financing window alone runs to May 13, with closing on Thursday, May 28.
Peeling paint and an FHA appraiser
Defective paint on housing built before 1978 must be corrected before an FHA loan closes. The analysis flags the garage trim as a likely required repair, adding a contractor, a reinspection and days to Offer A's calendar.
An appraisal gap covered to $293,000
Offer B's buyers will cover a shortfall of up to $6,000, so an appraisal as low as $293,000 leaves the price intact. That floor sits near the market analysis's indicated value, which the paper notes is why the coverage matters here.
Accept one, keep a backup
The recommendation is to accept B and invite A to stand as a backup offer on Calder's bracketed addendum. It is framed as analysis of a composite file, not advice to any real seller, and lists what would reverse it.
Where marks go in MT361 Unit 8
Converting offers into net proceeds is the first thing most MT361 graders check, since a comparison by price alone misses concessions and requested payments that change the answer. Dating each contingency from acceptance, with the rule for counting days stated, adds credit, as does bracketing state-specific steps such as attorney review. Analyses that weigh risk by asking who can exit, until when and with what at stake earn more than those listing contingencies without consequences. Financing types need accurate treatment: FHA appraisal and property requirements differ from conventional ones, and papers blurring them draw deductions. The 2024 changes appear here too, since buyer-broker compensation may now arrive as a request inside an offer. A recommendation framed as analysis, not legal advice, is expected in most sections.
Get a MT361 Unit 8 example written to your instructions
Lay out the offers in your Unit 8 scenario along with the seller's costs and loan payoff, then add the prompt and rubric. In 24-48h a free first custom analysis nets each offer to the dollar, dates every contingency from acceptance and weighs who can walk away, and when.
MT361 Unit 8 questions, answered
How do I count contingency deadlines?
Use the rule in the contract or the prompt. Many forms count calendar days from the date of acceptance, with day one the day after, while some steps, such as attorney review in certain states, run in business days. State the rule once, apply it consistently and give each deadline as a date, since a missed date changes which party holds the leverage.
Why does an FHA offer carry extra risk for an older house?
FHA appraisals check property condition as well as value, and for homes built before 1978 defective paint must be corrected before the loan closes. The FHA amendatory clause also lets the buyer withdraw without losing earnest money if the appraisal comes in below the price. Neither makes an FHA offer weak, but both belong in the risk analysis.
Can a buyer's offer ask the seller to pay the buyer's broker?
Yes. Since August 17, 2024, the MLS no longer carries compensation offers, but buyers may still ask the seller to pay some or all of their broker's fee as a term of the offer, and sellers may agree, counter or decline. The analysis should treat that request as a cost to the seller, like a concession.