What we handle on a hoarder house
Families who call about a hoarder house have usually been circling it for years, and the first thing they need is somebody who treats it as ordinary. It is ordinary to us. We have walked a great many of these houses on Long Island and there is nothing in yours we have not seen.
We clear the property ourselves after closing, at our cost. We will walk a hoarder house without comment. We can move quickly or wait months. And if the owner needs support rather than a sale right now, we would rather help you find it than push a transaction nobody is ready for.
Do not clear it before we come
The cleanout is ours. Not a credit at closing, not a deduction from the number, not a condition of the sale. Ours.
What we ask is that anything of personal value comes out first, because after closing the hoarder house is ours and the contents go. If there is a specific item somebody wants, tell us before we start and we will look for it. On a full hoarder house that is a real search, and we do it.
Why local knowledge changes the number
A three-bedroom on Stuyvesant Avenue. A three-bedroom on George Drive. A three-bedroom on Clinton Avenue. All of them in Mastic, all bought by us.
Mastic is roughly 15,404 people in Suffolk County, ZIP 11950, and the housing stock is mostly ranch, cape cod, bungalow. Around Montauk Highway and Mastic Road, most of it is old enough that the mechanicals are on their second or third life. We have bought enough here to know which streets take water, which blocks still have oil tanks in the ground, and what the William Floyd Union Free School District does to a resale price.
What we assess in a hoarder house, past the contents
The quantity of belongings affects our cost to clear, which is a known and fairly predictable figure. What actually moves the offer on a hoarder house is what sits beneath it all: the floors, the framing, whether water has been coming in, and the state of the mechanicals.
That is what we are looking at while we walk through. It is also why a full house does not frighten us the way it frightens a retail buyer seeing one for the first time.
Keeping a Mastic hoarder house sale private
Nobody needs to know. No sign goes up in Mastic, no photographs go online, and nobody walks through the hoarder house except us.
That matters more than people expect, particularly when the owner is still alive and still has neighbors who have known them thirty years. Discretion is a standard part of how we buy these, and you do not have to negotiate for it.
What you do not pay when you sell a hoarder house
These are the costs of putting a hoarder house on the market through an agent. None of them apply when you sell to us.
- Agent commission
- $27,000 at 5% of the Mastic median none
- Seller closing costs
- About $10,800 on a $540,000 sale. We can cover these. none
- Repairs to make it listable
- Whatever it takes to make it listable, paid in advance none
- Cleanout and removal
- Dumpsters or haulers by the load, ahead of any viewing none
- Carrying costs while it waits
- Taxes, insurance and utilities while you spend 72 to 87 days finding a buyer and waiting for their loan none
If the owner is not ready to sell their Mastic house
Then nothing happens yet, and that is a legitimate answer. What we will do is leave a figure with the family so it exists when the moment arrives, and it usually does arrive.
What we will not do is call every few weeks asking whether anything has changed. A hoarder house is a family situation before it is a real estate one, and the family sets the pace on it.
What the two paths cost in Mastic
These are the two routes open to you with a hoarder house, priced against what Mastic houses actually sell for.
Work it against Mastic's own numbers. The median sale here is $540,000. A 5% commission on that is $27,000, and seller closing costs of about 2% add roughly $10,800. Those are costs we can cover on our side. That is $37,800 gone before anyone counts the repairs it took to get the house listable.
There are two waits in a listed sale and people usually only count the first. In Mastic the median house takes about 27 days to go from listed to a signed contract. Then it waits again, typically 45 to 60 days, while the buyer's lender orders an appraisal and underwrites the loan. Call it 72 to 87 days from sign to keys, assuming nothing goes wrong.
The part worth understanding is what a signed contract actually guarantees, which is less than most sellers assume. A retail buyer with a mortgage contingency can walk away right up to the end. If they do not qualify, if the appraisal comes in under the price, if they change their mind and let the financing lapse. A share of deals die exactly there, after months of waiting, and the house goes back on the market with time on it. We are not borrowing anything, so there is no lender to satisfy, no appraisal to come in low and no contingency to exercise.
| Listing with an agent | Selling to us | |
|---|---|---|
| Sale price | $540,000 (Mastic median) | Our written offer |
| Commission | −$27,000 | None |
| Seller closing costs | −$10,800 | We can cover them |
| Repairs before listing | Out of pocket | None |
| Cleanout | Yours | Ours |
| Showings | Until it sells | One visit |
| Listed to signed contract | 27 days (Mastic median, once listable) | 24 hours to a written offer |
| Contract to closing | 45 to 60 days (waiting on the buyer's lender) | A date you choose |
| Total wait | 72 to 87 days if nothing falls through | Yours to set |
| Can the buyer walk? | Yes (mortgage contingency runs to the end) | No financing to fall through |
| Before repairs and carrying | $502,200 | The number we put in writing |
For the listing side we have used a 5% commission and about 2% in seller closing costs; your real figures may differ. Repairs and carrying costs are left out because they depend on the house. If yours is in good shape, a good agent may well get you more than we would, and we will tell you if so.
Why families stop halfway through a hoarder cleanout
Before you call anyone, it is worth knowing what you are being saved from. Clearing a hoarder house means multiple dumpster loads, labor by the day, sometimes a specialist crew where there is a biohazard element, and often a pest treatment afterward.
Families start this themselves, spend real money, and stop halfway. We have bought many a hoarder house at exactly that point, half cleared, and the half that got done did not raise the price.
Common questions
Is it safe for you to go into a hoarder house?
We will judge that when we arrive, and if it is not, we work from the outside and from whatever you can show us. We are not going to ask anyone to clear a path through a hoarder house for our benefit.
Will you throw away things that matter to the family?
Not if you tell us first. Photographs, documents, jewelry and keepsakes turn up constantly in a hoarder house cleanout, and we set those aside rather than bin them when we know to look.
Does the hoarder house need a cleanout before closing?
No. We buy with the contents in place and clear it ourselves afterward, at our cost. Nothing has to leave the hoarder house before the closing except what the family wants to keep.
Will anyone in Mastic know the house sold this way?
No. A hoarder house sale to us involves no marketing at all, which is precisely why families in Mastic choose it over listing with an agent.
The owner is still living in the Mastic house. Can you still make an offer?
Yes, and we can set a closing date far enough out to arrange somewhere for them to go. We will not contact the owner directly unless the family asks us to.