This may be because (1) until recently interest rates were trending lower so if the lender is getting a higher rate on subject note than he can obtain on new note there’s no monetary incentive to call the note (2) in the past technology did not exist to identify the property transfers (ten years ago county recording docs were not online) and (3) the lenders rather collect payments than own property.  

You should be able to send it to the court clerk with the case number (you should be able to find it online or call the court).

please send me a case example I'd love to read. that's one appraisal. the knowledge I have as a licensed general contractor working with investors from 5 cities at a time all over the country buidling 3 different floorplans I would say trumps one ADU you read about online 

Always validate what you read online, things change, I could be wrong, but use this as a starting point in your research.What Is an ADU?

Its like the Airbnb that says $20 a night but when you click its $100 cleaning fee. 

My lease has a sublet fee (2 weeks is guest by lease more than 2 weeks in a year is sublet) that is costly enough ($100/night per person which is about what a cheaper hotel is here) that makes sure tenants do not have others move-in without informing us.

I also looked at hundreds of deals online and visited over a dozen properties before I landed on this 8 unit.

With online access to almost every jurisdictions property recordings, lenders today use software that automatically searches property transfers for transfers involving their loans.  

May 2025 find your homes filled with happy guests, very little vacancies, and high nightly rates.  :-)  Reflecting on 2024, what is everything thinking will change in the coming year? 

It’s online only but purpose built for business owners and they have automation for those applying the Profit First cash management system.