Скачать или смотреть Liens That Harm Real Estate Deals: What to Check Before You Buy

Buying a property “subject‑to” or with creative finance? Some liens will nuke your deal if you don’t catch them early. In this quick guide, attorney‑investor Scott Horne walks through the biggest red flags—HELOCs (open vs. closed‑end), reverse mortgages, tax liens, IRS liens, judgment liens, mechanics liens—and how to decide whether to clear, carry, or walk away.

You’ll learn:
How to spot liens fast (county clerk, abstracts, title commitments)
Why open‑end HELOCs are a hard no for sub‑to (and the closed‑end exception)
Reverse mortgage timelines (why they often get called due)
Which liens you can live with and which ones will kill the deal
Ten‑year clocks on IRS and judgment liens—and how that affects exit strategies
Homestead vs. non‑homestead risk (why a lien can follow the property after sale)
What your title company can remove—and what they won’t (child support, restitution)
When to negotiate harder… and when to walk

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Chapters:
00:00 Intro: liens that harm deals
00:25 Where to find liens (clerk, abstract, title)
01:00 Sub‑to check: mortgage type matters
01:02 HELOC rule: closed‑end vs open‑end
01:29 Reverse mortgages & 12‑month call‑due risk
02:13 Property tax liens: size, status, payoff plan
02:36 Long‑life liens: IRS & judgment (10‑year clocks)
03:26 Homestead nuances & post‑sale risk
03:58 Using liens to negotiate; short vs long life
04:23 Holding vs selling when liens remain
04:38 Clearing at closing: what’s realistic
04:56 Child support & restitution: don’t expect removal
05:06 Mechanics liens: short shelf life
05:20 When to walk away
05:47 Wrap‑up & subscribe

Scott Horne has been a real estate, title attorney, and investor for over 30 years. Over this time, he has purchased, rehabbed, and sold over 7,000 single family homes. Through his companies and law office, he has transacted over 10,000 creative finance deals. Scott’s experience as both an attorney and an investor puts him in a unique position to help you navigate this tricky business every step of the way.

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1. The Subject To Academy
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2. Everything You Need to Know About Liens
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3. Scott Horne’s Owner Finance Real Estate Investment Training
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4. 1 Day Recorded Training on Owner Financing
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5. Owner Financing for Realtors
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