Given every buyer will be negotiating their own BAC arrangement, when listing a home shouldn’t sellers list the house assuming no BAC concessions, and then buyers submit offers with whatever BAC they want financed stacked on top of that.

So instead of listing your house for $1M with an assumed BAC concession (let’s use 2.5%), you would list for $975k, and then any BAC concessions buyers want would be stacked on top of that.

In other words, your seller should list the house for what they want to make on the sale (prior to paying their agent), and then you the buyer can structure your own BAC concessions on top of that base price. Because from a seller stand point different BACs result in different net for me at the same “offer price”.