Why buyers and lenders both balk
Two things have to survive for a listed sale to close: the buyer's nerve and the buyer's lender. A failed cesspool takes out both at once.
The buyer is picturing the yard dug up and a bill nobody will commit to in advance. The lender is looking at a property that cannot practically be occupied until the waste system works. Either one alone is enough to end a contract, and the house goes back on the Commack market with more days on it and a cesspool in its history.
How we help Commack owners with a failed cesspool
We buy houses with failed cesspools regularly, which means we already know who does this work properly and roughly what it runs. That is the practical difference between us and a buyer meeting the problem for the first time.
We have sanitary contractors and engineers we have used for years, and we bring them in on our own account after closing rather than asking you to arrange anything. And if it turns out that replacing the cesspool and listing the house on the open market would leave you better off, we will tell you so and give you the name of the contractor we would call.
Why local knowledge changes the number
A three-bedroom on Elder Drive. A house on Cobb Lane. Both in Commack, bought and paid for by us.
Commack is roughly 36,536 people in Suffolk County, ZIP 11725, and the housing stock is mostly colonial, split-level, ranch. Around Jericho Turnpike and Commack Road, most of it is old enough that the mechanicals are on their second or third life. We have been buying across Suffolk County for 15+ years. We know what the Commack Union Free School District does to a resale price, which blocks still have oil tanks in the ground, and what a house like yours is actually worth here.
No inspection, no pump-out, no cesspool repair required
The order most people reach for is: fix the cesspool, then sell. Everybody has that instinct and it is frequently the costly route.
Once the excavator is in the yard, whatever the ground turns out to hold becomes yours to deal with, mid-sale, with a buyer waiting on you. Sellers go that way and find the job growing while they stand there watching it. Selling with the cesspool as it is moves that risk to us, which is most of the reason to do it this way.
Who to ask about a cesspool in Suffolk County
People assume a failed cesspool means one specific job at one specific price. It does not. Two houses on the same Commack street can need quite different work depending on the lot, the water table and what was installed originally.
So treat the first number you are quoted carefully, in both directions. A contractor who has actually been out and looked at the cesspool, plus the county health department for what is required, will get you nearer the truth than anybody working from a phone call.
How we arrive at a number on a house with a failed cesspool
On a house with a failed cesspool we start from the end: what it sells for once the work is done. From that we take away the cost of the work and a margin for the chance that we have misjudged either one. That is the whole method. Nothing is hidden in it.
- What it is worth repaired. Not the Commack median of $840,000 on its own, but what houses like yours on your street actually closed at recently.
- What the work costs. Roof, boiler, electric, the kitchen and bath. In Commack the stock is largely colonial and split-level, and on houses that age the mechanicals are usually the expensive part rather than the cosmetics.
- How long we will hold it. The median Commack house goes under contract in about 29 days once it is showable, then waits 45 to 60 days more on the buyer's lender. Ours has to get to showable first, and we carry taxes and insurance across the whole of it.
- What we are wrong about. Walls and floors hide things until they come up. We price for that uncertainty, and it accounts for much of the distance between a cash offer and a retail price.
How we can pay this and still make it work
Most cash buyers skip this part. We do not. We run millions of dollars of construction a year, so we buy materials at contractor prices and keep our crews busy all year. The same renovation costs us roughly half of what you would be quoted as a homeowner.
That difference is how we make money. It is also why renovating before you sell seldom comes out ahead: you would pay retail for the roof and the boiler and then hope a buyer pays you back for them. Most of the time they do not. Our margin comes from building for less, not from buying from you for less.
If our number does not work for you, tell us. We would much rather hear it than push. We will go through your situation and give you a straight view of your options, including the ones that leave us out. A lot of people do better listing with an agent, and if you are one of them we will tell you now rather than have you find out later.
Closing on a Commack house with the system as it is
The reason a cash buyer matters here is not really speed. It is that nobody else is grading the house. A mortgage lender has an opinion about a failed cesspool and will hold funding until it is satisfied, and satisfying it means a contractor, an invoice and a sign-off, all completed before closing.
Which puts the seller in an impossible spot: pay for a new system on a house you are leaving, for a buyer who can still walk away afterward. We use our own funds. No lender, no conditions, no cesspool work required of you.
What you do not pay when you sell a house with a failed cesspool
These are the costs of putting a house with a failed cesspool on the market through an agent. None of them apply when you sell to us.
- Agent commission
- $42,000 at 5% of the Commack median none
- Seller closing costs
- About $16,800 on a $840,000 sale. We can cover these. none
- Repairs to make it listable
- The work it needs to show well, out of your pocket first none
- Cleanout and removal
- Charged by the truckload, and done before the first showing none
- Carrying costs while it waits
- Taxes, insurance and utilities while you spend 74 to 89 days finding a buyer and waiting for their loan none
Disclosure, and what to ask your attorney
The next step is short. Tell us what the cesspool has been doing, we come and look once, and you have a written number within a day.
No inspection, no pump-out, no repair, no cleanout, and no sign on the lawn in Commack. If we think you would come out ahead replacing the cesspool and listing the house properly, we will say so and point you at the contractor we use ourselves.
Common questions
Do I have to fix the cesspool before you buy a Commack house?
Not at all. No repair, no replacement, no pump-out, no inspection. The condition of the cesspool is priced into the offer, and the offer does not move afterward.
What does a new cesspool or septic system cost?
It turns on the lot, the location and what the county health department requires at your address, so any cesspool figure quoted from a web page is a guess. A sanitary contractor who has walked the property will give you a real answer.
The cesspool backed up but the house is still livable. Is that a failure?
Sometimes a backup is a blockage and sometimes it is the cesspool reaching the end of its life, and telling those apart takes somebody who has opened it up. Either way we buy, and either way it is worth knowing which one you have.
A buyer walked away over the cesspool. Does that hurt my chances with you?
Not at all, and it is how a great many people arrive here. A retail buyer walking over a failed cesspool tells us something about that buyer, not about your house.
Do you buy houses on septic as well as cesspools?
Yes. A great deal of Suffolk County is on cesspools or septic rather than sewers, and we buy across all of it. Whatever is in your yard, it does not have to be working for us to buy the house.