New York City & Long Island
Facing foreclosure? A short sale can be your way out — before the auction, not after it.
Capital Estates specializes in short sales, estate sales, and squatter removal. We negotiate with your lender, handle the paperwork, and sell the property for less than what's owed — so you can move forward instead of losing the home to foreclosure.
Sound familiar?
You don't need to have it figured out. You just need a next step.
Most people call us in the middle of a hard situation, not at the start of one. If any of these is yours, there is usually still time to act — but in New York foreclosure, time is the one thing that runs out.
Behind on payments
Letters from the lender, a lis pendens, or a court date. A short sale can stop the process and settle the debt for less than the balance.
You owe more than it's worth
An underwater mortgage doesn't have to end in foreclosure. Lenders approve short sales every day when the alternative is an auction.
An inherited property
A parent's or relative's home, a reverse mortgage after a passing, probate questions. We help heirs sell cleanly and protect what's left.
Squatters in your property
Someone living in a home you own — and New York law makes it slow to fix alone. We handle removal the lawful way, start to finish.
An estate to settle
Executors and families who need a property sold — as-is, occupied, or in arrears — without a drawn-out listing process.
What we do
Three services. Done properly, start to finish.
We're not a general brokerage and we don't do a little of everything. These are the three problems we solve — and short sales are what we're known for.
When you owe more on the mortgage than the home will sell for, a short sale lets you sell it with the lender's approval and settle the debt for less than the full balance — instead of a foreclosure on your record and the home sold at auction.
New York foreclosure is a court process, and it moves whether you're ready or not. A well-run short sale gives you a say in the timing, the buyer, and how the story ends.
- Full lender negotiation — hardship package, valuation disputes, and approval follow-up handled for you
- Reverse-mortgage situations, including sales after a homeowner's passing, working directly with heirs
- Pricing and buyer sourcing aimed at what your lender will actually approve
- Clear updates at every stage, in plain language — no jargon, no runaround
Inheriting a property is rarely simple — especially when it comes with arrears, tenants, repairs, or a reverse mortgage. We work with executors, heirs, and families to sell estate properties cleanly, including homes that aren't ready for a traditional listing.
- Sales of inherited and probate properties, as-is
- Coordination with heirs and family members, including out-of-state sellers
- Short sale handling when the estate property is underwater or in foreclosure
- A single point of contact from first call to closing
An occupied property you can't access is losing value every month — and in New York, removing squatters the wrong way can make it worse. We manage the process lawfully and document every step, so you get your property back and can actually sell or rent it.
- Lawful removal process, handled and documented end to end
- Coordination with the proper authorities and legal process
- Securing and assessing the property once it's recovered
- Sale options for the recovered property, including as-is and short sale routes
How a short sale works
Four steps between you and done
You bring the situation. We bring the process — and deal with the lender, the paperwork, and the deadlines.
Tell us the situation
A free, confidential call. Where things stand with the lender, what you owe, what the home is worth, and what outcome you want.
We build the case
We prepare and submit the hardship package to your lender and price the property at a level the lender can approve.
We negotiate & sell
We source the buyer and negotiate the approval with the lender — including pushing back on low valuations that stall deals.
You close & move on
The sale closes, the debt is settled for less than the balance, and the foreclosure process ends. You move forward.
Why timing matters in New York
Foreclosure here is a judicial process. It is slow at first — then it isn't. Acting while the case is early gives a short sale room to work.
The lender sends notices. This is the best moment to call — every option is still open.
The lender files in court (a lis pendens). A short sale can still proceed alongside the case.
The window is narrow now. Approval has to land before the sale date — call immediately.
For capital partners
Capital Estates works on a halal partnership model only: profit-share, structured as Musharakah / Mudarabah co-ownership. No loans, no interest (riba), no guaranteed returns. If a structure isn't halal, we don't do the deal.
Funds the deal as a co-owner
Your capital goes into a specific property as an ownership stake — not a loan. You share in the actual outcome of that deal, good or bad, in proportion to your contribution.
Finds it, works it, sells it
We source the short sale or distressed property, negotiate with the lender, manage the process and resale, and report to you at every stage. Our share is earned from profit — not from fees on your money.
How the partnership works
- Co-ownership, not debt — capital enters as equity in the property itself
- Profit split agreed upfront, in writing, before any money moves
- Losses shared in proportion to capital contributed — the standard Musharakah rule
- No guaranteed return — a guaranteed return would break the structure, so we never promise one
- One deal, one agreement — each property is papered separately with its own terms
- Full visibility — purchase price, costs, and sale price documented and shared
What a deal looks like (illustrative example)
| Short sale purchase | $385,000 |
| Renovation & carrying costs | $65,000 |
| Closing & sale costs | $30,000 |
| All-in | $480,000 |
| Resale | $560,000 |
| Net profit, split per agreement | $80,000 |
This is a worked example to show the shape of a deal — not a past result, a projection, or a promise. Every real deal is underwritten on its own numbers and shared with the partner before commitment.
Questions
Straight answers
It's a sale where your lender agrees to accept less than the full mortgage balance because the home is worth less than what's owed. You sell the home, the lender settles for the sale proceeds, and the foreclosure process ends. The lender has to approve it — which is why the negotiation and paperwork matter, and why that's the core of what we do.
For most homeowners, yes. A foreclosure is a court judgment and a public auction of your home, and it typically does more damage to your credit and your ability to buy again than a completed short sale. A short sale also gives you control over timing — you plan your move instead of being removed. We'll walk through your specific numbers on the first call so you can compare honestly.
It depends on the lender. The negotiation and approval stage is usually the longest part — often a few months — because the lender reviews your hardship package and the property's value. Starting early, while your foreclosure case is young, is the single biggest factor in a smooth approval.
Yes — this is a situation we handle regularly. When a homeowner with a reverse mortgage passes, heirs often have a limited window to sell or settle. We work with the family and the servicer to arrange a sale that protects the heirs' interests and closes the matter cleanly.
Don't try to remove them yourself or shut off utilities — in New York that can create legal liability and delay things further. Call us. We'll assess how they entered, what tenancy claims they may assert, and run the lawful removal process with proper documentation.
Use the contact form below and choose “Capital partner / investor.” We'll arrange a conversation, explain the partnership agreement, and walk you through the numbers on an actual property — purchase, costs, expected resale, and the proposed split — before any commitment.
Talk to us
The first call is free, confidential, and honest.
If we can't help, we'll say so and tell you who can. If we can, you'll leave the call knowing exactly what happens next.