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Title Encumbrance Clearance Calculator
Title encumbrances delay closings and cost money to resolve.
Total clearance cost
$93,000
Hard clearance
$48,000
Indirect cost
$45,000
How the math works
Total = liens + easements + boundary + legal + delay carry.
$25k + $15k + $8k + $15k + $30k = $93k total title clearance cost.
How to Use
- Enter liens to clear.
- Enter easement buyouts.
- Enter boundary resolution.
- Enter legal costs.
- Enter delay carrying cost.
- Read total clearance cost.
Frequently Asked Questions
Common encumbrances?
Mechanic's liens (unresolved contractor disputes). Judgment liens (from lawsuits). Tax liens (unpaid property taxes). Easements (utility, access). Boundary disputes. Restrictive covenants. Each requires specific clearance process.
Typical costs?
Mechanic's lien: $500-5k payoff + $2-10k legal. Judgment lien: negotiable settlement. Tax lien: pay + interest + penalties. Easement removal: $5-50k+ legal + beneficiary payment. Boundary resolution: $3-20k survey + legal.
Timeline?
Simple payoffs: 1-2 weeks. Negotiated settlements: 1-3 months. Court-ordered removal: 3-12 months. Major boundary disputes: 6-24 months. Document in purchase contract, hold funds in escrow, resolve by target close.
How often should I rerun this?
Rerun this calculator whenever inputs change materially — new rent roll data, rate moves, loan balance updates, or quarterly operating data. For active deals, monthly refresh is typical. For stabilized assets under monitoring, quarterly is fine. Treat the output as a decision tool, not a one-time answer — market conditions evolve and so should your analysis.
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