Get a Cash Offer for Your New York Home — Close in 7–21 Days
No repairs. No commissions. No open houses. Written offer in 24–72 hours.
What the Numbers Actually Look Like
Cash offers are typically 80–90% of market value. But the net gap is often smaller than it appears.
| Cash Offer | Traditional Listing | |
|---|---|---|
| Sale price | $425,000 | $500,000 |
| Agent commission | $0 | −$27,500 |
| Closing costs | $0 (we cover) | −$12,000 |
| Repairs + carrying | $0 | −$37,500 |
| Net proceeds | $425,000 | $423,000 |
| Timeline | 14 days | 90+ days |
Who This Is Right For
- Property needs significant repairs — no investment required before selling
- Behind on mortgage payments or facing pre-foreclosure
- Inherited a property you don't plan to keep
- Tight timeline — relocation, divorce, hard deadline
- Want to skip showings, open houses, and months of uncertainty
How it works — 3 steps
1
Submit your property
2
Receive written offer
Written offer with clear terms in 24–72 hrs.
3
Close on your date
Frequently asked questions
Do I need to make repairs? · Who pays closing costs? ·Is the offer negotiable? · What if I have a mortgage? · What if the property is in probate?
No. You sell the property exactly as it is — we handle everything after closing.
Most of the homes we buy in New York need work: outdated kitchens, aging roofs, deferred maintenance, foundation issues, full gut renovations. That’s normal. We factor the repair costs into our offer so you don’t have to spend money or time fixing anything before the sale.
The only thing you need to do is tell us about known issues when we talk — not to disclose them publicly, but so we can give you an accurate offer the first time. New York law requires sellers to disclose known material defects regardless of sale type, and we work within that.
What you skip entirely with a cash offer:
- Pre-sale repairs or contractor coordination
- Staging or cleaning beyond what you’re comfortable with
- Inspection negotiation — we don’t use a home inspection as a renegotiation tool
- Appraisal requirements from a lender
If you’ve been putting off selling because the property needs too much work, that’s exactly the situation we’re built for.
We cover standard closing costs. The offer we make is the number you receive at closing — no deductions for title fees, transfer taxes, or attorney fees on our side.
In a traditional sale, sellers in New York typically pay $8,000 to $15,000 or more in closing costs out of pocket — split between transfer taxes, attorney fees, title insurance, and miscellaneous charges. With our cash offer, those costs come off the table.
What’s included in our closing cost coverage:
- Title search and title insurance (buyer’s side)
- Transfer taxes — New York State imposes $2 per $500 of sale price; we cover this
- Attorney fees on our side of the transaction
- All standard transaction fees
What you’re responsible for:
- Your own real estate attorney — New York strongly recommends seller representation at closing, and we recommend it too. Attorney fees on the seller’s side typically run $1,500 to $2,500 and are worth it.
- Any liens, judgments, or back taxes on the property — these are paid from your proceeds at closing, not separately
Always confirm in writing exactly which costs are covered before signing any agreement. We put ours in writing in the offer letter.
Yes. Our written offer is a starting point for a conversation, not a take-it-or-leave-it number.
Every offer we make is based on three variables: the estimated after-repair value of your property, our projected renovation costs, and the holding and transaction costs we’ll carry through the resale. If you believe any of those numbers are off — and sometimes they are — we want to hear it.
The most effective way to negotiate a cash offer:
- Challenge the repair estimate with contractor quotes. If we’ve estimated $60,000 in work and you have quotes showing $40,000, that difference translates directly into a higher offer.
- Show us comparable sales we may have missed. ARV is based on recent comps. If renovated homes in your specific block or neighborhood sold higher than our estimate, bring the data.
- Ask about closing cost structure. If you’d prefer a slightly lower offer with us covering additional costs, that’s a conversation worth having.
What we can’t negotiate away: the math has to work for us to close. We’re not going to agree to a number that doesn’t make business sense, and we’ll tell you that directly rather than string the process along.
What you should do before any negotiation: know your own ARV. Look up recent sales of renovated comparable homes in your neighborhood on Zillow or Realtor.com. That’s the anchor number for everything else.
Having an outstanding mortgage doesn’t affect your ability to sell — it’s handled at closing automatically.
When we close, the title company requests a payoff statement from your lender — the exact amount required to satisfy the mortgage, including accrued interest through the closing date. That amount is wired directly to your lender from the sale proceeds. You receive whatever remains after the payoff and any other liens are satisfied.
Example: Sale price $410,000. Outstanding mortgage balance: $280,000. Closing costs covered by us. You receive approximately $130,000 at closing.
Three situations worth knowing about:
- Prepayment penalty: Some mortgage agreements include a prepayment penalty for paying off the loan early. Check your mortgage documents or call your servicer — this is rare but worth confirming before closing.
- Second mortgage or HELOC: If you have a second mortgage or home equity line of credit, both must be paid off from proceeds. We’ll identify all liens during the title search.
- Underwater mortgage (owe more than the home is worth): If your outstanding balance exceeds what we can offer, a standard cash sale won’t cover the payoff. In that situation, a short sale — which requires lender approval — may be the right path. We can walk you through whether that applies to your situation.
If you’re behind on mortgage payments and worried about foreclosure, the timeline matters. A cash sale can close in 14 to 21 days — fast enough to stop most foreclosure proceedings before they complete. See our mortgage relief page for more on that situation.
We handle probate properties regularly — including situations where the estate is still open, where there are multiple heirs, and where the property hasn’t been updated in decades.
Here’s what needs to be in place before any sale can proceed: the executor (or administrator, if there’s no will) must have Letters Testamentary issued by the Nassau County Surrogate’s Court. Those letters give the executor legal authority to sign a contract of sale on behalf of the estate. Without them, no transaction can close.
What you can do before Letters Testamentary are issued:
- Contact us to discuss the property and get a preliminary offer estimate — no commitment required
- Begin the probate process with an estate attorney if you haven’t already
- Identify any title issues (unpaid taxes, open permits, liens) that will need to be resolved before closing
What happens once Letters Testamentary are in hand:
- We issue a written offer based on current property condition and comps
- The purchase contract is signed by the executor on behalf of the estate
- We structure the closing date to align with the probate timeline — 30, 60, or 90 days out if needed
- The estate receives proceeds at closing; the executor distributes them to heirs per the will or court order
Why a cash buyer is often the most practical option for probate properties: we don’t have a mortgage lender creating hard close deadlines. If probate takes longer than expected, we can adjust. A financed buyer can’t offer that flexibility.
If there are multiple heirs who need to agree on the sale, we’ve worked through that too. We’re not in a rush, but we’ll give you a clear written offer so every heir knows the number they’re evaluating.
New York probate timelines: simple uncontested estates typically take 6 to 12 months through Nassau County Surrogate’s Court. Contested situations take longer. The earlier you engage an estate attorney and start the process, the sooner you have options.