They have a cloud based management system and it’s extremely affordable.

I have now found that my 1st mortgage was clouded over during the foreclosure process and into the redemption period without my knowledge or the primary lenders.

In both situations is it best to use and option or purchase contact to cloud the title?

The equity lender will then discover the encumbrance on the title search.If using an installment land contract or a rent-to-own (lease with option), then a memorandum to the benefit of the "buyer" is recorded on the property title to create a cloud, which is discovered by a title search by the equity lender.Either way, the equity lender will know about the encumbrance before closing the loan.

There are numerous clouds on title as the banks foreclosed on many homeowners improperly. 4 years down the road it can pop up and bite you in the behind.

I suspect we will just have to wait until the HOA process is done and then move on whomever gets the clouded title.

We typically get the property under contract first and then record an affidavit of purchase and sale to cloud the title.

this maybe a good read for youhttps://www.biggerpockets.com/forums/49/topics/102840-don-wood-now-takes-his-scam-to-st-cloud-to-include-their-city-counsel-and-the-ucf-incubator-program

You can use a notice of option to file at your local courthouse that will place a cloud on title.

Does HomeSearch.com offer any kind of assurances against clouded title or liens that could cause a bidder to "accidentally" pay off a large mechanics lien?