The condition is the reason we are interested, not the reason we are not.
Most buyers need a lender, and lenders will not fund a house with a hole in the roof. That is why the offers dry up. We are not borrowing anything, so the condition is just a number in our math.
Get a number on itWhy a damaged house stops selling
It is rarely that nobody wants the house. It is that almost every retail buyer needs financing, and an appraiser will flag missing handrails, peeling paint, an inoperable furnace, active leaks, or an unsafe electrical panel. FHA and VA loans in particular have minimum property standards that a rough house will not meet, and conventional lenders get nervous for the same reasons.
So the pool of people who can actually close shrinks down to cash buyers. At that point you are already selling to somebody like us, the only question is whether you spent four months and a price cut finding out.
Kentucky specific problems we see constantly
A lot of Kentucky housing stock predates 1978, which means lead paint disclosure, knob and tube wiring, and asbestos siding come up regularly, especially in older Louisville and Covington neighborhoods. Basements take on water because of how much of the state sits on limestone and clay, and that same geology is why much of Kentucky falls in the EPA highest radon zone.
In Louisville Metro, code enforcement citations attach to the property rather than the owner, and unpaid ones can turn into a lien. A vacant property that has been boarded or cited is a category we buy in routinely, and we handle the citations after closing rather than asking you to clear them first.
Cleanout is our problem, not yours
You do not have to remove anything. Not the furniture, not the appliances, not a garage nobody has opened in fifteen years. Hoarding situations in particular tend to stall because the family cannot face the volume of it, and every estimate they get for a cleanout is more than they have. Take what matters to you and leave the rest exactly where it sits.
The same goes for anything mid renovation. Half finished rehabs, open permits, work done without a permit at some point in the past. We would rather inherit that than have you try to resolve it before closing.
Specific situations we buy in
Each of these gets its own page as we publish them. If yours is on this list, we have bought one like it.
- Fire damage
- Smoke damage
- Water damage
- Flood zone
- Storm or hail damage
- Tornado damage
- Mold
- Asbestos
- Lead paint
- Foundation problems
- Roof failure
- Sewer or plumbing failure
- Old or unsafe wiring
- No working HVAC
- Termite damage
- Pest infestation
- Structural damage
- Condemned property
- Code violations
- Boarded up or vacant
- Hoarder house
- Meth contamination
- High radon
- Failed septic
- Well water problems
- Unfinished renovation
Two minutes and you will have a number.
We have already selected your situation. Change it if it does not fit.
Step 1 of 3
What people ask us first
Do you actually buy fire damaged houses?
Yes, including structural fire. If there is an open insurance claim, tell us early, because how the proceeds are handled changes the offer and sometimes the timeline.
What about mold?
We buy houses with mold. You do not need a remediation quote or a clearance test. We will factor it in, and unlike a retail buyer we are not going to walk away over it.
The house has code violations. Does that stop the sale?
No. In Louisville Metro and most Kentucky jurisdictions the citations follow the property, so they get resolved at or after closing. You do not need to fix anything first.
Is there anything you will not buy?
Rarely, but it happens. Properties where a demolition order has already been issued, or where remediation costs exceed the finished value, sometimes do not work. We will tell you that on the first call rather than a month in.
Maybe one of these fits better
Get a number on it, today.
No cost, no obligation, and nobody shows up at your door unless you ask them to.