Keep More of Your Commissions by Joining IvyRealty.Ai

Every agent knows their commission rate. Far fewer can tell you, to the dollar, what they actually take home after their brokerage is done. That gap — between what you earn and what you keep — is where most agents quietly lose tens of thousands of dollars a year. At a traditional franchise brokerage, a single commission can pass through four or five deductions before it reaches you: a franchise royalty off the top (typically 6-8%), your split (often 20-30%), a monthly desk fee, a technology fee, and sometimes a per-transaction coordination fee. Stack those together and a "70/30 agent" frequently keeps less than 60% of what they earned. IvyRealty.Ai was built to close that gap — and to keep it totally transparent. No franchise royalty. No desk fee. No technology fee. No onboarding fee. E&O insurance included. You choose the plan that fits how you work — and you keep the difference.

IvyRealty.Ai keeps the structure deliberately simple: The 80/20 Plan — You keep 80% of every commission with zero monthly fees, zero desk fees, zero technology fees, and zero onboarding cost. E&O insurance is included. Because you pay nothing unless you close, this plan carries zero risk and zero cost outside of standard MLS and association membership fees — ideal for newer agents, part-time agents, or anyone who wants no overhead while building momentum. The 100% Plan — You keep every dollar of your commission for a flat $25/month plus $395 per closed transaction. No desk fees, no tech fees, no franchise royalties, and no big-word, small-print mumbo-jumbo. E&O included. The breakeven is simple: any time 20% of your commission exceeds $395, the 100% Plan wins. You can move between the two plans with 90 days notice, so you are never locked into the wrong structure as your business grows.

Take a $450,000 sale at a 3% commission — $13,500 gross. At a franchise brokerage (7% royalty, 70/30 split, prorated desk + tech fees): after the royalty (-$945), the split (-$3,766), and roughly -$550 in monthly fees, you take home about $8,239 — just 61% of what you earned. At IvyRealty.Ai on the 100% Plan: -$25 monthly fee and -$395 transaction fee leaves you $13,080 — about 97%. That is roughly $4,800 more from a single closing — not because you negotiated harder, but because nobody skimmed it on the way to your account.

Now multiply that across a year — at least, for the math-nerds among us. Say you close 18 transactions at an $8,000 average gross commission — $144,000 total. Traditional 70/30 brokerage with fees: after franchise royalties, split, and desk + tech fees, your net lands around $87,000. IvyRealty.Ai, 100% Plan: $25/month ($300) plus $395 x 18 ($7,110) in fees leaves you roughly $136,590. That is nearly $49,000 more in a single year — enough to fund a real marketing budget, take time off, or invest back into your business. Even on the zero-fee 80/20 plan you would keep about $115,200, still well ahead of the traditional model. These figures are illustrative — your actual savings depend on your production and your current brokerage's fee structure — but the direction holds: less is skimmed on the way to your account, so you keep more.

Lower cost usually raises a fair question: what am I giving up? At IvyRealty.Ai, the answer is nothing. Every agent — on either plan — gets the full platform: an AI-powered CRM, a digital transaction coordinator that auto-populates the forms required on a transaction and lays out timeline checklists, a complete marketing suite, free unlimited blockchain e-signatures through OnChainESign, a 50+ module online academy, marketing strategies playbooks, market updates, and direct access to the broker. A comparable tool stack billed separately would run $500-800/month at a legacy shop — here it is simply included. And it stays affordable because so much of it was built with AI and runs on AI automation — the very same approach I want to help you bring to your own real estate business. The hardest part of keeping more of your commission is not the paperwork or the license transfer — both are handled online and same-day in Arizona. It is deciding to stop overpaying and to start using tools that actually serve you. When you are ready, the application is quick and easy online, and we do same-day onboarding — most agents are active and ready to work the same day.