We buy houses for cash in McKinney, Allen, Plano, Frisco, Prosper, Melissa, Anna and across Collin County, in any condition, on your timeline.
Need to sell a house fast in McKinney? River Capital buys homes for cash in any condition, with no repairs, no showings and no commissions. Texas law also requires written disclosure of our interest when we assign a contract, so you'll know who you're dealing with and in what capacity.
We buy the houses a normal listing struggles with: delinquent property taxes, inherited and probate homes, liens and clouded title, foundation or water damage, and tired rentals. McKinney is the Collin County seat, about 32 miles north of Dallas, so the tax office, courthouse and clerk's offices that handle these problems are in town. We'll explain how we get to our number and be straight with you about whether selling to us or listing serves you better.
Tell us about the property. A no-obligation cash offer takes about a minute to request.
| Listing with a realtor | Selling to River Capital | |
|---|---|---|
| Price | Usually the highest, because you reach retail buyers with financing | Usually lower, because we take on repairs, risk and carrying costs |
| Speed | Weeks to months to find a buyer, plus the buyer's loan, appraisal and inspection. Collin County's median was 65 days on market in September 2026, before closing | Can close in as little as 14 days once title work and paperwork are done, or on the date you pick |
| Your costs | Commissions and typical closing costs, and possibly repairs first | No commissions or fees to you, and no repairs or cleanout |
| Hassle | Showings, open houses, repair negotiations after inspection | No showings, staging or repair negotiations |
| Certainty | A financed buyer can still fall through | No loan to fall through, but an offer is an estimate until a purchase agreement is signed, and it's subject to inspection |
| Usually best when | The house is in good shape, the title is clear, and you have time and equity | It needs major repairs, you face a deadline, or probate or title problems would stall a listing |
Timing. Realtor.com data published by FRED shows median days on market in Collin County rising from 41 in April 2026 to 65 in September 2026. That's a county figure, not a McKinney-only one, and it stops before the closing. If you have time and the house shows well, list it. If you're counting back from a first-Tuesday sale date, the arithmetic may not work.
The Historic Overlay District. The City of McKinney has a Historic Preservation Office and a Historic Overlay District. The city's FAQ says proposed exterior changes need the office's review, and a Certificate of Appropriateness, where required, must come before work starts and before a permit is issued. Routine repairs with the same materials and design typically don't need one, but the city suggests asking first. If you own in the district and are weighing "fix it, then list," call the office at (972) 547-2000 before you budget the work.
Association dues. Many planned communities have community associations. An association lien can come up in title work. Liens are usually handled from the proceeds at closing, so it's better to mention them early. See liens and title problems.
Deadlines are local too. Collin County trustee sales are on the courthouse steps at 2100 Bloomdale Road, and constable sales are normally on the first Tuesday of the month at the same courthouse. Collin County doesn't sell tax lien certificates; the property itself is sold, subject to any redemption right. Our Collin County guide covers the full process and office list.
Situations we help with: Foreclosure · Probate & Inherited · Back Taxes · Liens & Title · Major Repairs · Divorce & Relocation · Partial Interests · FAQ · How It Works
General information, not legal advice. Confirm deadlines and rules with the office named, or with a Texas attorney.
Yes. We buy homes in their current condition, including dated, damaged or distressed properties, so there are no repairs, cleaning or staging on your end.
Closings can take as little as 14 days once title work and paperwork are done, since we pay cash and don't wait on bank financing. If you need longer, you choose the closing date. A title problem or an open estate can take longer to clear, and we'll tell you that up front.
If the title is clear, you have time and the house shows well, listing will usually net you more, and we'll say so. Median days on market in Collin County was 65 in September 2026, according to Realtor.com data published by FRED, before the time to close. A direct sale makes more sense when repairs, a title problem or a sale date would stall a listing.
It can. The City of McKinney says proposed exterior changes need review by its Historic Preservation Office, and a Certificate of Appropriateness, when required, must be obtained before work begins and before a permit is issued. Many are approved by staff; others go to the Historic Preservation Advisory Board. Selling as-is leaves that review to the buyer, but it's worth a call to the office at (972) 547-2000 if you plan to repair first.
Sometimes, and we disclose it in writing when we are. Tex. Occ. Code § 1101.0045 permits selling an option or assigning a contract to purchase real property without a license, so long as it isn't used to engage in real estate brokerage and the nature of the equitable interest is disclosed in writing to any seller or potential buyer. We are not a licensed Texas broker or sales agent and do not represent you in a transaction.
Often not, but Texas gives you less time than most states. Foreclosure is non-judicial, with a notice of default giving at least 20 days to cure and a notice of sale at least 21 days before the sale, so the minimum is about 41 days. Sales happen on the first Tuesday of the month between 10 a.m. and 4 p.m., and in Collin County trustee sales are held on the courthouse steps at 2100 Bloomdale Road. Texas generally has no redemption after a mortgage foreclosure sale, so selling has to happen before that date.
Not necessarily. Under Tex. Tax Code § 33.02, if you're delinquent on a homestead with a § 11.13 exemption, the collector generally must grant a monthly installment agreement on request, 12 to 36 months, and the § 33.01(a) penalty doesn't accrue while it's in place. Under § 33.06, a homeowner who is 65 or older, disabled, or a disabled veteran can defer collection, with no penalty and interest at 5% a year. A deferral postpones rather than forgives, and the lien stays. Ask the Collin County Tax Office at (972) 547-5020 before you decide to sell a house you want to keep.
Probably not. Texas's Uniform Partition of Heirs' Property Act, Tex. Prop. Code ch. 23A, may give a co-owner who wants out a defined route, with the others getting a buyout right at an appraised price rather than a forced-auction price. Selling only your own share is sometimes possible without a lawsuit. Confirm with a Texas real estate attorney.
Call or text (956) 339-1848, or tell us about the property. We'll give you a no-obligation cash offer and an honest take on whether it's your best move.