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.
Nothing needs to come out first
Not one box. The instinct is to clear a hoarder house enough to make it presentable before anyone sees it, and that instinct is both unnecessary and frequently unsafe. Stacks shift. Floors are not always sound underneath them.
Take out what matters to the family and leave everything else exactly where it is. Clearing a hoarder house is our job and our cost, and it does not come off the offer.
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.
What moves the number, and what does not
The structure underneath, not the contents. Whether floors and joists have held under the weight, whether water has been getting in behind the accumulation, the condition of the heating and electrical, and whether the hoarder house needs pest or sanitation work.
The volume of belongings is a predictable cost to us. The condition of the building is what actually moves the number, and we can usually read a hoarder house well enough from one walk-through without moving anything.
Handling it discreetly
Nobody needs to know. No sign goes up in Commack, 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
Each of the following comes with a retail listing of a hoarder house, and none of it comes with ours.
- 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
- Whatever it takes to make it listable, paid in advance none
- Cleanout and removal
- Per truckload, before anyone views it none
- Carrying costs while it waits
- Taxes, insurance and utilities across the 74 to 89 days it takes to find a buyer and then wait on their lender none
When the timing is not yours to decide
Then they are not ready, and pushing makes it worse. A hoarder house almost always involves somebody who is not ready to let go of it, and no amount of pressure from a buyer improves that.
We will give the family a number so it exists when the time comes. We do not call back repeatedly, and you should be wary of any buyer who does, because hoarder house leads get resold and recycled around this industry.
What the two paths cost in Commack
These are the two routes open to you with a hoarder house, priced against what Commack houses actually sell for.
Work it against Commack's own numbers. The median sale here is $840,000. A 5% commission on that is $42,000, and seller closing costs of about 2% add roughly $16,800. Those are costs we can cover on our side. That is $58,800 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 Commack the median house takes about 29 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 74 to 89 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 | $840,000 (Commack median) | Our written offer |
| Commission | −$42,000 | None |
| Seller closing costs | −$16,800 | We can cover them |
| Repairs before listing | Out of pocket | None |
| Cleanout | Yours | Ours |
| Showings | Until it sells | One visit |
| Listed to signed contract | 29 days (Commack 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 | 74 to 89 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 | $781,200 | The number we put in writing |
The agent column uses a 5% commission and about 2% of seller closing costs, which are typical rather than fixed. It leaves out repairs and holding costs because no two houses are alike there. Where a house is in good condition, listing with a capable agent can beat our number, and we will be upfront if that is the case.
The cost of clearing it yourself
The reason families stall on a hoarder house for years is usually not denial. It is that the first step is expensive, physically hard, and emotionally worse, and nobody wants to be the one who throws away a parent's belongings.
Selling to us removes that step completely. We do the clearing, after closing, when the hoarder house belongs to us and the family does not have to watch it happen.
Common questions
Is it safe for you to go into a hoarder house?
We have walked a great many of them and we know what to watch for. If a hoarder house is genuinely unsafe to enter, we can still make an offer from the exterior, the layout, and photographs.
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?
Never. The cleanout is our expense and it happens after the property is ours. Paying for a hoarder house cleanout before selling is money families do not get back.
Will anyone in Commack know the house sold this way?
Not from us. There is no sign, no listing and no photographs online, and the cleanout happens after closing. One person visits once, and that is the whole of the public footprint.
The owner is still living in the Commack 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.