ThomasMoreAI 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.