About myself
I specialize in pre-purchase title forensics, lien priority audits, and collateral due diligence for private note investors, distressed debt funds, and seller-finance lenders nationwide. Unlike standard transactional title searches that only glance at current ownership, my collateral reviews focus on identifying critical underwriting defects before capital is wired: • Security Instrument Perfection: Cross-referencing promissory notes against recorded mortgages/deeds of trust and auditing closing HUD-1/CD settlement statements for unpaid recording fees and missing clerk stamps. • Senior Encumbrance Sweeps: Uncovering open institutional liens, unsatisfied prior mortgages, and intermediate "subject to" title transfers across full chains of title. • Mobile Home & Collateral Severance: Verifying DMV title cancellations, Certificates of Title retirement, and recorded Affidavits of Affixation to ensure improvements are legally annexed to real property. • Municipal & Tax Forensics: Tracking delinquent real property taxes, active municipal code/weed liens, sewer assessments, and utility easements. Search Depths & Scope of Work: • Full Forensic Audits: 30-Year & 40-Year Chain of Title (Root of Title & Marketable Title Act standards) • Intermediate Searches: 20-Year / Two-Owner searches for secondary market trading • Fast-Turn Due Diligence: Current Owner (O&E) lien sweeps for quick pre-bid valuation • Custom Audits: Tailored scopes for loan tapes, probate/estate chains, and non-performing paper Every review delivers an institutional-grade collateral summary and complete public records exhibit package. Available for single-asset audits (48-hr standard / weekend rush) and bulk loan tape reviews. Send a message to review a redacted sample package or submit an asset for review.