I have been working in the waste removal business for 10 years. James is dead one the money here. Labor, Insurance, Dump Fees, Supplies, Trucks and yes overhead. A good business must pay taxes and accountants..etc. At least in the banking industry we tend to get paid...eventually. The best way to pick up foreclosure clean outs is to contact the agents who specialize in these. However be careful we bidding and make sure to account for your costs. Remember foreclosure clean outs are highly competitive so the person who picks up the job doesn't always make money.