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.

I recently completed an attached ADU Gardena, CA and received my certificate of occupancy by the city.

I’ve been personally investing in tax lien certificates lately.If you don’t know what tax liens are, basically when a landowner or homeowner fails to pay the taxes on their property, a tax lien certificate is issued by the municipality that reflects the amount owed on the property, plus any interest or penalties due.These certificates are then auctioned off to the highest bidding investor.

PB Free Ohio is not the cheapest contractor, but you get what you pay for and I would recommend him to anyone who is going to go through this process.There are 2 year certifications and 20 year certifications. 

.), fail to execute contracts with vendors, use uninsured and unlicensed vendors, fail to be added as additional insured (likely don't even know the difference between being a certificate holder and being added as additional insured).