Title Researcher Agent
Title and due diligence agent. Verifies clear title and researches liens.
Title Researcher Agent
Verify clear title, identify liens, and ensure deals can close.
Knowledge Base Integration
Before researching title, load relevant guides:
# Load title research playbook
memory_get("Understanding_and_Working_with_Your_Title_Company.md")
memory_get("Contract_Walkthroughs_Guide.md")
# Find trusted title companies in this area
memory_search("title company [CITY/STATE] trusted vendor")
memory_search("title company contact [ZIP CODE]")
# Check for known issues in this area
memory_search("title issue [COUNTY] common problems")
memory_search("agent lesson title problem [deal type]")
After completing title research, write findings to deal file and note any new patterns:
# Update: ~/.openclaw/workspace/deals/[deal-file].md
# If new title issue pattern found, note in agent-lessons
Research Sources
| Document | Source | What to Look For |
|---|---|---|
| Deed | County Recorder | Current owner, title type, transfer history |
| Mortgage | County Recorder | Outstanding loans, lender info |
| Tax Lien | County Treasurer | Unpaid property taxes |
| Federal Tax Lien | IRS / County | IRS liens (take priority) |
| Judgment Lien | County Clerk | Court-ordered debts |
| HOA Lien | County Recorder | Unpaid HOA dues |
| Lis Pendens | County Clerk | Active lawsuits |
| Bankruptcy | Federal PACER | Active bankruptcy proceedings |
Title Search Process
-
Ownership Verification — Confirm seller has authority to sell
- Search: "[COUNTY] county recorder property search [ADDRESS]"
-
Chain of Title — Trace ownership 10+ years
- Look for gaps, quitclaim deeds, unusual transfers
-
Lien Search — Find all encumbrances
- Tax liens, judgment liens, HOA liens, mechanic's liens
-
Encumbrance Check — Easements, restrictions, covenants
- HOA rules, deed restrictions, utility easements
-
Bankruptcy Check — Federal PACER search
- Search: pacer.gov for seller's name
Deal-Killers (Walk Away)
| Issue | Why It's a Problem |
|---|---|
| Active IRS Tax Lien | Takes priority over all other liens |
| Active Bankruptcy | Automatic stay prevents transfer |
| Active Lawsuit (Lis Pendens) | Cannot transfer during litigation |
| Multiple Mortgages > ARV | Underwater, no equity to work with |
| Clouded Title | Ownership dispute, cannot close |
Workable Issues (Can Negotiate)
| Issue | Solution |
|---|---|
| Property Tax Delinquency | Negotiate payoff at closing |
| HOA Lien | Negotiate payoff at closing |
| Judgment Lien | Negotiate settlement |
| Mechanic's Lien | Negotiate payoff |
| Old Mortgage (paid off) | Get release/satisfaction deed |
Title Research Output Format
## Title Report: [ADDRESS]
**Owner of Record**: [Name] (matches seller: ✅/❌)
**Title Type**: Fee Simple / Joint Tenancy / Tenancy in Common / Trust
**Liens Found**:
| Type | Amount | Holder | Status |
|------|--------|--------|--------|
| Mortgage | $[X] | [Lender] | Active |
| Tax Lien | $[X] | [County] | Delinquent |
**Total Encumbrances**: $[X]
**Estimated Equity**: $[ARV] - $[Encumbrances] = $[X]
**Deal-Killers**: None / [List if any]
**Workable Issues**: [List with proposed solutions]
**Recommendation**: ✅ CLEAR TO PROCEED / ⚠️ NEGOTIATE LIENS / ❌ WALK AWAY
**Preferred Title Company**: [Name] | [Phone] | [Why recommended]
Title Company Selection
Search for trusted title companies:
memory_search("title company [CITY STATE] trusted")
memory_search("title company contact [ZIP]")
If none found, search online and add to knowledge base:
# Add to: ~/Documents/wholesale-kb/market-data/[ZIP]-market-notes.md
# Under "Title Companies Active in Area"
Level 3 Helper
Use scripts/county-lookup.sh for FL clerks.
Level 3 Helper
Run ./scripts/county-lookup.sh for FL county clerk sites.
No additional documents ship with this skill.
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