(I got a certificate in HVACR before I went to computer school back in the '70s.)

The LLC is owned by my revocable family trust that my wife and I are the only trustees of (have a certificate of trust that can be provided).* My insurance carrier does not accept escrow payments, so I would need a solution that wouldn't require escrow or something creative with the escrow.Property Details:Duplex located in Wisconsin (city of approximately 9,000 people)Purchase date:  05/10/2024Purchase Price:  $85,000Rehab:  $31,000ARV:  $140,000 (still need to have appraisal completed - this is based off of my comps)Projected rent:  $1,450 / month (just listed so no leases yet. 

However, it might also be worth exploring ways to increase your income, whether through side hustles, certifications, or career changes, to give you more flexibility in your investments.Ultimately, it’s about aligning your investment with your goals.

There are 3 courses that have recently come to my attention about tax lien certificates and tax default properties either from others on this forum or from other real estate investors I know.1) https://www.taxsaleacademy.com/2) https://tedthomas.com/3) https://taxlienacademy.com/I think all 3 courses range from $1500 - $2000. 

There are many Business Loan Applications, which are virtually identical and carefully worded, that you can find online.Hopefully, your lawyer includes a Certificate of Non-Owner Occupancy in your loan package, and language to that effect is liberally mentioned in your note and mortgage/deed of trust.Consider obtaining a script offered now by some lending attorneys that you can use to interview your borrower about their intent during a recorded Zoom call.

In my experience, after the sale on the courthouse steps, the Clerk or the Sheriff gives a Certificate of Title or Sherriff's deed, without warranties, to the highest bidder. 

Check With the attorney who provided the quiet tile or the title company that took care of your certificate.

@Tamika Rue My understanding is the redeeming party would pay to the holder of the Tax Lien Certificate all back taxes owed plus 12% per annum.

In Missouri, they sell tax lien certificates. 

The way tax liens work, the certificate holder gets to exercise their right under law to take ownership of the property (get the deed) when the redemption period expires and the owner fails to respond/ repay once the deed process has been concluded.