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Owned by Pavle

Free community for surplus recovery operators. Verified case files, not raw spreadsheets. Apply for free leads until your first deal.

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7 contributions to Dirty Title Goldmine
Would You Trust AI Leads If You Controlled the Proof?
Most operators I’ve talked to don’t really trust “AI-generated leads.” And honestly, I get it. If a lead just appears in a spreadsheet with no clear source, no documents, no audit trail, and no way to verify it fast, it’s hard to trust. But what if the AI wasn’t just “generating leads”? What if it was doing the heavy lifting in the background, while you still had full control? You could see the county source. You could see the auction record. You could open the case documents. You could verify the surplus amount. You could check liens, ownership, deadlines, and contact data. The AI would just remove 80% of the painful manual work: auction tracking, document reading, skip tracing, case organization, and first-pass qualification. So my question is: Would you trust AI-assisted leads if every case was source-backed, transparent, and easy to verify? Or is the trust issue deeper than that?
1 like • 21d
Im not selling anything I promise, I just want to learn from people.
Any input on IRS liens as a roadblock?
I’m looking at a dirty-title file where IRS liens may be the main roadblock. Basic facts: As is value is roughly $110k IRS liens appear to be around $38k+ There are also heirs, legal/title costs, closing costs, and other deal expenses. After rough math, the deal may not have enough spread unless the IRS issue can be handled cleanly. From what I understand using AI, there are a few possible paths: 1. Certificate of Discharge — remove the IRS lien from this specific property so it can sell, while the taxpayer’s IRS debt may still remain. 2. Lien release / expiration — if the collection period expired or the IRS failed to refile before the “Last Day for Refiling.” I think they expire in 10 years unless renewed. 3. Payoff through closing — assume the IRS gets paid what its lien position is worth. 4. Offer in Compromise — possible in theory, but likely slower and taxpayer/estate-specific. My main question for people who have actually worked these: How do you handle IRS liens operationally when underwriting dirty-title deals? Do you usually: 1. treat the IRS amount as a hard payoff at closing. 2. try for a discharge from the specific property or an offer in compromise. 3. wait for expiration/self-release 4. or just kill the file unless the spread is still strong after paying the IRS? I am not assuming the IRS “settles cheap.” I’m trying to understand what the practical playbook is so I don’t waste time on files where the IRS lien kills the economics.
4 likes • 24d
Operational playbook for this is almost always the Certificate of Discharge if you want to save the deal. The IRS actually has a specific process for this where if you can prove the taxpayer has zero equity left in the property after senior liens and reasonable closing costs are paid, they will discharge the property because their lien is technically valueless. If you treat that $38k as a hard payoff at closing on a $110k asset with multiple heirs, the math is dead. Don't waste time on an Offer in Compromise here, it takes way too long and kills your timeline.
We failed to blend in
Tonight we scoped out a very rough house to confirm a rumor of squatters. The back alley dogs alerted to us cruising the alley behind the houses. The resident showed his confrontational side. My wife wasn't feeling like this was the encounter she imagined so we went home.
We failed to blend in
2 likes • 24d
Listen to the gut feeling every single time. Scoping properties in the dark is always a gamble, especially when local dogs wake up the whole block. Next time it might be easier to drop by during a busy weekday morning with a high vis vest and a clipboard. You blend right into the background because everyone just assumes you are with the county or a utility company.
Started With Squatters
Maybe I'm an outlier but I see value in squatters. They validate the property's utility. Here's a picture from this morning when the local sheriff visited our uninvited guests. By noon we had a promissory note and mortgage signed with a notary. If they follow through, we'll get the down payment on Sunday and they avoid a criminal trespass charge. Sometimes everyone gets a happy ending.
Started With Squatters
1 like • 24d
Turning a trespasser into a tenant buyer under sheriff supervision is a legendary execution. My only worry with this play is always the follow through. If they weren't paying rent before, getting them to honor a promissory note long term is a gamble. Did you look into their actual background or income history before signing, or was this purely a tactical move to get them on paper so eviction is cleaner if they default?
Family Dynamics - P E T I TO situation with a Duplex co-owned
P E T I T O situation P = Property Duplex located in Carmichael, CA Only (1) ONE APN # exists for the duplex property. One side rented for $2,300 per month, the other side is VACANT and in need of work so that it can be rented. E= Equity Estimated Value $800,000 TODAY The property is FREE & CLEAR of any debt Property was acquired for around $200,000 many years ago; pre 2016. T= Title Originally was titled in the Name of a Father (now deceased) as to a 50% Interest and (1) one of his daughter (elderly daughter # 1) as to the other 50% Interest in the Duplex.She (elderly daughter # 1) lived on one side and the Father lived on the other side. She helped care for the aging Father. The Father passed away back in 2022 and his estate was probated. The OTHER Daughter (younger 2nd Daughter) prior to his passing was given a DEED by the Father subject to his Life Estate interest; Upon the Fathers passing in 2022, Younger Daughter # 2 then became the OWNER of 50% of the Duplex property along with Elderly Daughter # 1 still owning the other 50% interest. I= Interested Parties Both of the daughters each now own 50% undivided interests in the Duplex property valued around $800K which is FREE & CLEAR of any debt. Elderly Daughter # 1 has relocated but has been RENTING out her 50% portion of the duplex (for $2,300 per month) as stated above. T= Threats The relationship between Elderly Daughter # 1 and the Younger Daughter # 2 is contentious. They barely speak. It seems that Elderly daughter # 1 feel entitled to 100% of the DUPLEX property as she was the one who cared for their Father before he passed.The 50% SIDE of the DUPLEX now owned by the Younger Daughter # 2 cannot be readily rented because it’s in desperate need of many upgrades to get it rent ready (like a new HVAC system, some electrical work, new flooring, the updating of the bathrooms and the Kitchen, etc.). Thus younger daughter # 2 side of the duplex is NOT able to produce any income from rents; Yet she still must share in 50% of the expenses for Taxes, Insurance, etc.
2 likes • 24d
This is a textbook partition play, but the risk layout is heavy. If you buy out Daughter #2's 50% interest, you're buying a lawsuit, which means your entry price has to reflect that litigation haircut. A forced partition sale in CA can easily eat up $30k-$50k in legal fees and take 12+ months, meaning you can't pay anywhere near full market value ($400k) to Daughter #2. For her, the win is walking away with immediate liquidity instead of fighting a bitter family war for the next two years. For you, the win is buying at a deep discount, forcing the sale, and collecting 50% of the clean equity at the end.
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Pavle Andjelkovic
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37points to level up
@pavle-andjelkovic-5912
Mapping how surplus teams find, qualify & track claims across counties. Learning from people doing the work

Active 59m ago
Joined Jun 20, 2026
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