People probably do this all the time, but skirting the law and subject to red tag if the city finds out. 

Unless you are a seasoned real estate investor with professional title searching skills, I wouldn't do this.

As mentioned seller credits are the best path as title insurance and taxes are pretty much fixed.

@Marc Shin We're funding cash out refis for a lot of our most experience BRRRR clients right around day 91 (to pass 90 days of title seasoning) where we get the process started (appraisal, title, application, etc) around day 60  (plus or minus) when they have the place fully renovated and at least listed for rent (we'll use appraisers opinion of market rent to calculate DSCR). 

She was scrambling for a new title company that understood the local subtleties, and my buddy’s referral to a quiet, under-the-radar exchange facilitator near Lake Oswego ended up saving her deal from what felt like a slow-motion derailment.What really helped both of them was teaming up with a local pro who understood the Oregon laws like the back of her hand.

If this is how it works, do I ever go through the title company like I would in a normal wholesale transaction?

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Please stop tagging me in a thread from a year ago.

Recently, a real estate friend suggested I consider starting a title company, as he and his partners (primarily in commercial real estate, like strip malls) could bring business my way.While I’ve worked with title companies in my transactions, I’ve never explored the inner workings of how they operate.

This is where the bank generally gets notice Title was changed.