We’re a full service real estate investment company. That means more than one way to buy — and a straight answer about which one fits you.
Step 1 of 3 · About a minute · No obligation
A buyer with a single strategy has to make your house fit it. If it doesn’t, you get a low number or a no. That is not a judgement about your house — it is a limit of how they buy.
We use several purchase strategies, so the question becomes which one suits your situation:
You do not need to know which one you want. That is the conversation.
Submit the address, receive a written offer within 24 hours, and choose a closing date as soon as 7 days out. No showings, no repairs, no agent involved at any stage.
Tell us a little about your property. One of our Chattanooga-area home buying specialists will review your details and prepare your offer — no showings, no cleaning, no prep work required.
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Receive a fair, no-obligation all-cash offer with zero fees or commissions. There's no financing fall-through risk — so you can confidently plan your next move.
Close on your timeline — as fast as 7 days or whenever works for you. We handle all the paperwork. Cash in your pocket so you can move on to the next chapter of your life.
Close before the bank does — protect your credit and get a fresh start.
Inherited a home you don't want? We buy as-is, even in probate.
Split the asset quickly and cleanly so both parties can move forward.
Fire damage, mold, structural issues — we buy it as-is, no exceptions.
Problem tenants? We buy with tenants in place. No evictions needed.
Job change? We close on your schedule so you avoid two mortgages.
[PLACEHOLDER — replace with the founder’s own words. Two or three sentences on who they are and why they buy houses in Chattanooga. Written in first person reads better here than third.]
[PLACEHOLDER — background. What they did before this, how long they have been in the area, what kinds of situations they have helped with. Specific beats impressive. No numbers unless we can substantiate them.]
[PLACEHOLDER — what a seller can expect from working with them. One short paragraph. This is the trust close, so it should sound like a person talking, not a company describing itself.]
Side-by-side comparison of timeline, commissions, transfer taxes, repair exposure and closing risk for the three ways to sell a house in Chattanooga.
| Factor | Seller's Choice (direct cash sale) | Traditional Chattanooga agent listing | National iBuyer / online offer platform |
|---|---|---|---|
| Time to receive an offer | Within 24 hours | 14–60 days on market before an accepted offer | 24–72 hours (algorithmic, often revised after inspection) |
| Time to close | 7–14 days, seller picks the date | 60–90+ days from listing to closing | 14–45 days, platform picks the window |
| Agent commission | $0 | 5%–6% of sale price ($17,500–$21,000 on a $350,000 home) | 5%–8% service fee |
| Seller-paid closing costs | $0 — buyer pays | Transfer taxes, attorney and recording fees | Transfer taxes plus platform closing fees |
| Repairs and inspection credits | None — purchased as-is | Pre-listing repairs plus post-inspection credits, commonly $5,000–$25,000 | Repair deductions withheld from the initial offer after walkthrough |
| Cleanout / personal property | Leave anything behind | Full cleanout and staging expected | Broom-clean condition required |
| Showings and open houses | None | Ongoing showings for the full listing period | None, but a third-party inspection is required |
| Financing fall-through risk | None — no lender, no appraisal contingency | Buyer mortgage denial and low appraisals routinely reset the deal | Low, but offers can be retracted or renegotiated |
| Accepts distressed condition | Yes — fire, mold, structural, hoarding, code violations, failed septic | Limited — FHA/VA/conventional buyers require habitability | No — most platforms decline pre-1930 stock and major defects |
| Buys with tenants in place | Yes, including non-paying tenants and pending evictions | Rarely — most retail buyers require vacancy | No |
| Works around a foreclosure sale date | Yes — closings scheduled to beat a foreclosure sale date | Timeline often runs past the foreclosure sale date | No accommodation for court deadlines |
| Gross price achieved | Below full retail — the buyer absorbs repair, carrying and resale risk | Highest gross price when the house is market-ready | Near-retail initial estimate, reduced after inspection |
| Gross price and net proceeds are different numbers. A market-ready Chattanooga-area home in good condition will usually net more through a traditional listing. A cash sale generally nets more when the property needs significant work, when the seller cannot fund repairs or carrying costs, or when a court or relocation deadline makes a 60–90 day timeline unworkable. | |||
| Line item | Direct cash sale | Listed with a Chattanooga agent, sold as-is |
|---|---|---|
| Contract price | $272,000 | $290,000 |
| Agent commission (5.5%) | $0 | −$15,950 |
| Seller closing costs and transfer taxes | $0 | Varies |
| Pre-listing cleanout, repairs and inspection credits | $0 | −$8,000 |
| Carrying costs while on market (mortgage, taxes, insurance, utilities) | −$800 (10 days) | −$7,200 (90 days at approx. $2,400/mo) |
| Estimated net to seller | ≈ $271,200 | ≈ $254,500 |
| Days to cash in hand | 10 days | 90–120 days |
| Risk of the deal collapsing | None — no financing contingency | Buyer financing denial, appraisal gap, inspection renegotiation |
| Illustrative scenario only, not a quote or a guarantee. Actual figures depend on condition, location, liens, mortgage balance and current market conditions. Every offer from Seller's Choice is written, itemized and free to request. | ||
Direct answers on timelines, costs, foreclosure deadlines, probate, tenants and liens.
Seller's Choice buys residential property across Hamilton, Bradley, Marion and Sequatchie counties in Tennessee, and Catoosa, Walker and Dade counties in North Georgia. Below are the counties and the cities and towns where we most frequently close.
Chattanooga, East Ridge, Red Bank, Soddy-Daisy, Signal Mountain, Collegedale, Lakesite, Walden, Lookout Mountain, Ridgeside, Hixson, Ooltewah, Harrison, Sale Creek, Middle Valley, Apison.
Cleveland, Charleston, Hopewell, Wildwood, Blue Springs.
Jasper, South Pittsburg, Kimball, Whitwell, New Hope, Powells Crossroads, Orme.
Ringgold, Fort Oglethorpe, Graysville, Tunnel Hill.
Dunlap, Lone Oak, Coops Creek.
LaFayette, Rossville, Chickamauga, Fairview, Flintstone, Lookout Mountain.
Trenton, Rising Fawn, New England, Sulphur Springs.
Four counties in Tennessee and three in North Georgia. If your house is in the highlighted area, we can make you an offer.
Not sure if we buy in your town? Enter your property address in the form and you will know in seconds.
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Enter your Chattanooga property address and receive a written, itemized cash offer within 24 hours. Free, no obligation, and no effect on any other option you are weighing.
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