“100% commission” isn't always more money.

A 100% commission model can be the right fit — but the headline hides the fees. The honest comparison is what you actually keep after costs, not the split on the brochure.

How a 100% model usually works

You keep 100% of your commission, but you typically pay a monthly desk fee, a per-transaction fee, and often your own E&O — whether you close one deal that month or none. Those fixed costs hit hardest in slow months and for agents doing a moderate number of deals.

How Bear Team works

Bear Team uses a graduating split — 60/40 up to 90/10 as you produce — with $0 monthly fees, a flat $150 per closing, and E&O covered by the brokerage. Your costs scale with your closings instead of arriving every month regardless of production.

So which keeps more?

It depends on your volume. Very high-volume agents can come out ahead on a pure 100% model. For most agents doing roughly 3–20 deals a year, $0 monthly fees plus a graduating split often nets more — because you're not paying fixed overhead in the months you don't close. The only way to know is to run your own numbers.

Run it: the take-home calculator · how splits graduate · the $0-fee structure.