Liens that don't have to stop a sale
- •NYC property tax behind
- •DEP water bill lien
- •HPD violations
- •ECB / DOB violations
- •Mechanic's liens (unpaid contractors)
- •Judgment liens from old lawsuits
- •IRS federal tax liens
- •State tax liens
- •Multiple liens stacked on one property
Most owners think a lien means the house can't be sold. That's not true. It means the title company pays them off at closing out of the sale proceeds — but the sale still happens.
How this works
1. Tell me the property and what you owe. Rough numbers are fine.
2. I make a cash offer that accounts for the liens. No surprises later. The number I quote you is what you walk away with after liens are paid off at closing.
3. We close at the title company. Their job is to research every lien, settle each one from the sale proceeds, and give you clear title-transfer paperwork.
You don't have to negotiate with the city, the IRS, or any contractor. The title company handles all of it as part of a normal closing.
Why this works
A traditional buyer with bank financing can't usually close on a property with significant liens — the bank won't lend on it. That's why retail listings of lien-heavy properties sit on the market forever.
Cash buyers don't have that constraint. I'm paying with my own money. The title company makes sure every lien gets paid at closing — I budget for that in my offer.
I'm not a real estate agent. I'm an investor. I buy 6–10 NYC properties a year and have closed on plenty with $30k+ in stacked liens.
Common questions
I owe $40k in NYC property taxes — can I still sell?
Yes, as long as the sale price covers what you owe plus what the city / state needs. I'll work the numbers transparently with you.
The city is threatening a tax lien sale. Am I out of time?
You usually have more runway than you think. Call me — I'll tell you straight whether a sale could close before the lien sale date.
Will I owe taxes on the sale?
That's a question for your CPA, not me. I'm a cash buyer, not a tax advisor.
Are you a licensed agent?
No. Real estate investor, cash buyer. I'm not a lawyer or financial advisor either.
Related reading
How NYC tax liens actually affect a sale.
What the lien sale timeline looks like and your options.
DEP, ECB, IRS, judgment liens, and what title companies do with them.
Every common lien type and how it gets cleared at closing.