Land lead class. No occupant -> CA 1695/2945 and NV 645F out of scope by their own terms; no due-on-sale clause on free-and-clear land (Garn-St Germain moot); no repair estimate input. Marketing-the-contract statutes (OK 59 O.S. 858-301/858-314 + SB 1075, PA Act 52 of 2024, SC H.4754, IL 225 ILCS 454 pattern-of-business) apply unchanged -- see each state's land_verdict_basis.
The basis column is printed verbatim from the compliance matrix. Note what it says: each land cell is the stricter of that state's own probate and tax-delinquent verdicts, held as a conservative default pending a legal review that has not happened yet. It is a floor, not a clearance.
| State | Name | Land verdict | Verification | Assignment cap | Basis, verbatim from the matrix |
|---|---|---|---|---|---|
| AK | Alaska | NO | UNVERIFIED | — | F5123/F5259: land has no occupant, so occupancy-gated pre-foreclosure carve-outs are out of scope by their own terms. The marketing-the-contract rule applies unchanged, so this cell takes the STRICTER of the state's own probate and tax_delinquent verdicts. |
| AL | Alabama | NO | UNVERIFIED | — | F5123/F5259: land has no occupant, so occupancy-gated pre-foreclosure carve-outs are out of scope by their own terms. The marketing-the-contract rule applies unchanged, so this cell takes the STRICTER of the state's own probate and tax_delinquent verdicts. |
| AR | Arkansas | NO | UNVERIFIED | — | F5123/F5259: land has no occupant, so occupancy-gated pre-foreclosure carve-outs are out of scope by their own terms. The marketing-the-contract rule applies unchanged, so this cell takes the STRICTER of the state's own probate and tax_delinquent verdicts. |
| AZ | Arizona | GO_WITH_DISCLOSURE | PRIMARY_STATUTE | — | F5123: land has no occupant, so the occupancy-gated pre-foreclosure carve-outs (CA 1695, NV 645F) are out of scope by their own terms -- they trigger only on lead_class=='preforeclosure'. The marketing-the-contract statute still applies unchanged, so this cell reuses the STRICTER of AZ's own probate (GO_WITH_DISCLOSURE) and tax_delinquent (GO_WITH_DISCLOSURE) verdicts as a conservative default pending opus legal review (F5121B build #3). |
| CA | California | GO_WITH_DISCLOSURE | PRIMARY_STATUTE | — | F5123: land has no occupant, so the occupancy-gated pre-foreclosure carve-outs (CA 1695, NV 645F) are out of scope by their own terms -- they trigger only on lead_class=='preforeclosure'. The marketing-the-contract statute still applies unchanged, so this cell reuses the STRICTER of CA's own probate (GO_WITH_DISCLOSURE) and tax_delinquent (GO) verdicts as a conservative default pending opus legal review (F5121B build #3). |
| CO | Colorado | GO_WITH_DISCLOSURE | PRIMARY_STATUTE | — | F5123: land has no occupant, so the occupancy-gated pre-foreclosure carve-outs (CA 1695, NV 645F) are out of scope by their own terms -- they trigger only on lead_class=='preforeclosure'. The marketing-the-contract statute still applies unchanged, so this cell reuses the STRICTER of CO's own probate (GO_WITH_DISCLOSURE) and tax_delinquent (GO) verdicts as a conservative default pending opus legal review (F5121B build #3). |
| CT | Connecticut | NO | PRIMARY_STATUTE | — | F5123/F5259: land has no occupant, so occupancy-gated pre-foreclosure carve-outs are out of scope by their own terms. The marketing-the-contract rule applies unchanged, so this cell takes the STRICTER of the state's own probate and tax_delinquent verdicts. |
| DC | District of Columbia | NO | UNVERIFIED | — | F5123/F5259: land has no occupant, so occupancy-gated pre-foreclosure carve-outs are out of scope by their own terms. The marketing-the-contract rule applies unchanged, so this cell takes the STRICTER of the state's own probate and tax_delinquent verdicts. |
| DE | Delaware | NO | UNVERIFIED | — | F5123/F5259: land has no occupant, so occupancy-gated pre-foreclosure carve-outs are out of scope by their own terms. The marketing-the-contract rule applies unchanged, so this cell takes the STRICTER of the state's own probate and tax_delinquent verdicts. |
| FL | Florida | GO_WITH_DISCLOSURE | PRIMARY_STATUTE | — | F5123: land has no occupant, so the occupancy-gated pre-foreclosure carve-outs (CA 1695, NV 645F) are out of scope by their own terms -- they trigger only on lead_class=='preforeclosure'. The marketing-the-contract statute still applies unchanged, so this cell reuses the STRICTER of FL's own probate (GO_WITH_DISCLOSURE) and tax_delinquent (GO) verdicts as a conservative default pending opus legal review (F5121B build #3). |
| GA | Georgia | GO_WITH_DISCLOSURE | PRIMARY_STATUTE | — | F5123: land has no occupant, so the occupancy-gated pre-foreclosure carve-outs (CA 1695, NV 645F) are out of scope by their own terms -- they trigger only on lead_class=='preforeclosure'. The marketing-the-contract statute still applies unchanged, so this cell reuses the STRICTER of GA's own probate (GO_WITH_DISCLOSURE) and tax_delinquent (GO_WITH_DISCLOSURE) verdicts as a conservative default pending opus legal review (F5121B build #3). |
| HI | Hawaii | NO | UNVERIFIED | — | F5123/F5259: land has no occupant, so occupancy-gated pre-foreclosure carve-outs are out of scope by their own terms. The marketing-the-contract rule applies unchanged, so this cell takes the STRICTER of the state's own probate and tax_delinquent verdicts. |
| IA | Iowa | GO_WITH_DISCLOSURE | PRIMARY_STATUTE | — | F5123/F5259: land has no occupant, so occupancy-gated pre-foreclosure carve-outs are out of scope by their own terms. The marketing-the-contract rule applies unchanged, so this cell takes the STRICTER of the state's own probate and tax_delinquent verdicts. |
| ID | Idaho | GO_WITH_DISCLOSURE | PRIMARY_STATUTE | — | F5123: land has no occupant, so the occupancy-gated pre-foreclosure carve-outs (CA 1695, NV 645F) are out of scope by their own terms -- they trigger only on lead_class=='preforeclosure'. The marketing-the-contract statute still applies unchanged, so this cell reuses the STRICTER of ID's own probate (GO_WITH_DISCLOSURE) and tax_delinquent (GO_WITH_DISCLOSURE) verdicts as a conservative default pending opus legal review (F5121B build #3). |
| IL | Illinois | GO_WITH_DISCLOSURE_CAPPED_1_PER_YEAR | PRIMARY_STATUTE | 1 per rolling 12 months | F5123: land has no occupant, so the occupancy-gated pre-foreclosure carve-outs (CA 1695, NV 645F) are out of scope by their own terms -- they trigger only on lead_class=='preforeclosure'. The marketing-the-contract statute still applies unchanged, so this cell reuses the STRICTER of IL's own probate (GO_WITH_DISCLOSURE_CAPPED_1_PER_YEAR) and tax_delinquent (GO_WITH_DISCLOSURE_CAPPED_1_PER_YEAR) verdicts as a conservative default pending opus legal review (F5121B build #3). |
| IN | Indiana | NO | UNVERIFIED | — | F5123/F5259: land has no occupant, so occupancy-gated pre-foreclosure carve-outs are out of scope by their own terms. The marketing-the-contract rule applies unchanged, so this cell takes the STRICTER of the state's own probate and tax_delinquent verdicts. |
| KS | Kansas | NO | PRIMARY_STATUTE | — | F5123/F5259: land has no occupant, so occupancy-gated pre-foreclosure carve-outs are out of scope by their own terms. The marketing-the-contract rule applies unchanged, so this cell takes the STRICTER of the state's own probate and tax_delinquent verdicts. |
| KY | Kentucky | NO | UNVERIFIED | — | F5123/F5259: land has no occupant, so occupancy-gated pre-foreclosure carve-outs are out of scope by their own terms. The marketing-the-contract rule applies unchanged, so this cell takes the STRICTER of the state's own probate and tax_delinquent verdicts. |
| LA | Louisiana | NO | UNVERIFIED | — | F5123/F5259: land has no occupant, so occupancy-gated pre-foreclosure carve-outs are out of scope by their own terms. The marketing-the-contract rule applies unchanged, so this cell takes the STRICTER of the state's own probate and tax_delinquent verdicts. |
| MA | Massachusetts | GO_WITH_DISCLOSURE | PRIMARY_STATUTE | — | F5123/F5259: land has no occupant, so occupancy-gated pre-foreclosure carve-outs are out of scope by their own terms. The marketing-the-contract rule applies unchanged, so this cell takes the STRICTER of the state's own probate and tax_delinquent verdicts. |
| MD | Maryland | GO_WITH_DISCLOSURE | PRIMARY_STATUTE | — | F5123/F5259: land has no occupant, so occupancy-gated pre-foreclosure carve-outs are out of scope by their own terms. The marketing-the-contract rule applies unchanged, so this cell takes the STRICTER of the state's own probate and tax_delinquent verdicts. |
| ME | Maine | NO | UNVERIFIED | — | F5123/F5259: land has no occupant, so occupancy-gated pre-foreclosure carve-outs are out of scope by their own terms. The marketing-the-contract rule applies unchanged, so this cell takes the STRICTER of the state's own probate and tax_delinquent verdicts. |
| MI | Michigan | GO_WITH_DISCLOSURE | PRIMARY_STATUTE | — | F5123/F5259: land has no occupant, so occupancy-gated pre-foreclosure carve-outs are out of scope by their own terms. The marketing-the-contract rule applies unchanged, so this cell takes the STRICTER of the state's own probate and tax_delinquent verdicts. |
| MN | Minnesota | GO_WITH_DISCLOSURE_CAPPED_1_PER_YEAR | PRIMARY_STATUTE | 4 per rolling 12 months | F5123/F5259: land has no occupant, so occupancy-gated pre-foreclosure carve-outs are out of scope by their own terms. The marketing-the-contract rule applies unchanged, so this cell takes the STRICTER of the state's own probate and tax_delinquent verdicts. |
| MO | Missouri | GO_WITH_DISCLOSURE | PRIMARY_STATUTE | — | F5123/F5259: land has no occupant, so occupancy-gated pre-foreclosure carve-outs are out of scope by their own terms. The marketing-the-contract rule applies unchanged, so this cell takes the STRICTER of the state's own probate and tax_delinquent verdicts. |
| MS | Mississippi | NO | UNVERIFIED | — | F5123/F5259: land has no occupant, so occupancy-gated pre-foreclosure carve-outs are out of scope by their own terms. The marketing-the-contract rule applies unchanged, so this cell takes the STRICTER of the state's own probate and tax_delinquent verdicts. |
| MT | Montana | NO | UNVERIFIED | — | F5123/F5259: land has no occupant, so occupancy-gated pre-foreclosure carve-outs are out of scope by their own terms. The marketing-the-contract rule applies unchanged, so this cell takes the STRICTER of the state's own probate and tax_delinquent verdicts. |
| NC | North Carolina | GO_WITH_DISCLOSURE | PRIMARY_STATUTE | — | F5123: land has no occupant, so the occupancy-gated pre-foreclosure carve-outs (CA 1695, NV 645F) are out of scope by their own terms -- they trigger only on lead_class=='preforeclosure'. The marketing-the-contract statute still applies unchanged, so this cell reuses the STRICTER of NC's own probate (GO_WITH_DISCLOSURE) and tax_delinquent (GO) verdicts as a conservative default pending opus legal review (F5121B build #3). |
| ND | North Dakota | NO_PUBLIC_MARKETING__PRINCIPAL_CLOSE_ONLY | PRIMARY_STATUTE | — | F5123/F5259: land has no occupant, so occupancy-gated pre-foreclosure carve-outs are out of scope by their own terms. The marketing-the-contract rule applies unchanged, so this cell takes the STRICTER of the state's own probate and tax_delinquent verdicts. |
| NE | Nebraska | NO | PRIMARY_STATUTE | — | F5123/F5259: land has no occupant, so occupancy-gated pre-foreclosure carve-outs are out of scope by their own terms. The marketing-the-contract rule applies unchanged, so this cell takes the STRICTER of the state's own probate and tax_delinquent verdicts. |
| NH | New Hampshire | NO | UNVERIFIED | — | F5123/F5259: land has no occupant, so occupancy-gated pre-foreclosure carve-outs are out of scope by their own terms. The marketing-the-contract rule applies unchanged, so this cell takes the STRICTER of the state's own probate and tax_delinquent verdicts. |
| NJ | New Jersey | GO_WITH_DISCLOSURE | PRIMARY_STATUTE | — | F5123/F5259: land has no occupant, so occupancy-gated pre-foreclosure carve-outs are out of scope by their own terms. The marketing-the-contract rule applies unchanged, so this cell takes the STRICTER of the state's own probate and tax_delinquent verdicts. |
| NM | New Mexico | NO | UNVERIFIED | — | F5123/F5259: land has no occupant, so occupancy-gated pre-foreclosure carve-outs are out of scope by their own terms. The marketing-the-contract rule applies unchanged, so this cell takes the STRICTER of the state's own probate and tax_delinquent verdicts. |
| NV | Nevada | GO_WITH_DISCLOSURE | PRIMARY_STATUTE | — | F5123: land has no occupant, so the occupancy-gated pre-foreclosure carve-outs (CA 1695, NV 645F) are out of scope by their own terms -- they trigger only on lead_class=='preforeclosure'. The marketing-the-contract statute still applies unchanged, so this cell reuses the STRICTER of NV's own probate (GO_WITH_DISCLOSURE) and tax_delinquent (GO) verdicts as a conservative default pending opus legal review (F5121B build #3). |
| NY | New York | GO_WITH_DISCLOSURE | PRIMARY_STATUTE | — | F5123/F5259: land has no occupant, so occupancy-gated pre-foreclosure carve-outs are out of scope by their own terms. The marketing-the-contract rule applies unchanged, so this cell takes the STRICTER of the state's own probate and tax_delinquent verdicts. |
| OH | Ohio | GO_WITH_DISCLOSURE | PRIMARY_STATUTE | — | F5123: land has no occupant, so the occupancy-gated pre-foreclosure carve-outs (CA 1695, NV 645F) are out of scope by their own terms -- they trigger only on lead_class=='preforeclosure'. The marketing-the-contract statute still applies unchanged, so this cell reuses the STRICTER of OH's own probate (GO_WITH_DISCLOSURE) and tax_delinquent (GO_WITH_DISCLOSURE) verdicts as a conservative default pending opus legal review (F5121B build #3). |
| OK | Oklahoma | NO_PUBLIC_MARKETING__PRINCIPAL_CLOSE_ONLY | PRIMARY_STATUTE | — | F5123: land has no occupant, so the occupancy-gated pre-foreclosure carve-outs (CA 1695, NV 645F) are out of scope by their own terms -- they trigger only on lead_class=='preforeclosure'. The marketing-the-contract statute still applies unchanged, so this cell reuses the STRICTER of OK's own probate (NO_PUBLIC_MARKETING__PRINCIPAL_CLOSE_ONLY) and tax_delinquent (NO_PUBLIC_MARKETING__PRINCIPAL_CLOSE_ONLY) verdicts as a conservative default pending opus legal review (F5121B build #3). |
| OR | Oregon | NO | OFFICIAL_BILL_RECORD | — | F5123: land has no occupant, so the occupancy-gated pre-foreclosure carve-outs (CA 1695, NV 645F) are out of scope by their own terms -- they trigger only on lead_class=='preforeclosure'. The marketing-the-contract statute still applies unchanged, so this cell reuses the STRICTER of OR's own probate (NO) and tax_delinquent (NO) verdicts as a conservative default pending opus legal review (F5121B build #3). |
| PA | Pennsylvania | NO | OFFICIAL_BILL_RECORD | — | F5123: land has no occupant, so the occupancy-gated pre-foreclosure carve-outs (CA 1695, NV 645F) are out of scope by their own terms -- they trigger only on lead_class=='preforeclosure'. The marketing-the-contract statute still applies unchanged, so this cell reuses the STRICTER of PA's own probate (NO) and tax_delinquent (NO) verdicts as a conservative default pending opus legal review (F5121B build #3). |
| RI | Rhode Island | NO | UNVERIFIED | — | F5123/F5259: land has no occupant, so occupancy-gated pre-foreclosure carve-outs are out of scope by their own terms. The marketing-the-contract rule applies unchanged, so this cell takes the STRICTER of the state's own probate and tax_delinquent verdicts. |
| SC | South Carolina | NO_PUBLIC_MARKETING__PRINCIPAL_CLOSE_ONLY | PRIMARY_STATUTE | — | F5123: land has no occupant, so the occupancy-gated pre-foreclosure carve-outs (CA 1695, NV 645F) are out of scope by their own terms -- they trigger only on lead_class=='preforeclosure'. The marketing-the-contract statute still applies unchanged, so this cell reuses the STRICTER of SC's own probate (NO) and tax_delinquent (NO) verdicts as a conservative default pending opus legal review (F5121B build #3). |
| SD | South Dakota | NO | UNVERIFIED | — | F5123/F5259: land has no occupant, so occupancy-gated pre-foreclosure carve-outs are out of scope by their own terms. The marketing-the-contract rule applies unchanged, so this cell takes the STRICTER of the state's own probate and tax_delinquent verdicts. |
| TN | Tennessee | GO_WITH_DISCLOSURE | PRIMARY_STATUTE | — | F5123: land has no occupant, so the occupancy-gated pre-foreclosure carve-outs (CA 1695, NV 645F) are out of scope by their own terms -- they trigger only on lead_class=='preforeclosure'. The marketing-the-contract statute still applies unchanged, so this cell reuses the STRICTER of TN's own probate (GO_WITH_DISCLOSURE) and tax_delinquent (GO_WITH_DISCLOSURE) verdicts as a conservative default pending opus legal review (F5121B build #3). |
| TX | Texas | GO_WITH_DISCLOSURE | PRIMARY_STATUTE | — | F5123: land has no occupant, so the occupancy-gated pre-foreclosure carve-outs (CA 1695, NV 645F) are out of scope by their own terms -- they trigger only on lead_class=='preforeclosure'. The marketing-the-contract statute still applies unchanged, so this cell reuses the STRICTER of TX's own probate (GO_WITH_DISCLOSURE) and tax_delinquent (GO_WITH_DISCLOSURE) verdicts as a conservative default pending opus legal review (F5121B build #3). |
| UT | Utah | GO_WITH_DISCLOSURE | PRIMARY_STATUTE | — | F5123: land has no occupant, so the occupancy-gated pre-foreclosure carve-outs (CA 1695, NV 645F) are out of scope by their own terms -- they trigger only on lead_class=='preforeclosure'. The marketing-the-contract statute still applies unchanged, so this cell reuses the STRICTER of UT's own probate (GO_WITH_DISCLOSURE) and tax_delinquent (GO_WITH_DISCLOSURE) verdicts as a conservative default pending opus legal review (F5121B build #3). |
| VA | Virginia | GO_WITH_DISCLOSURE_CAPPED_1_PER_YEAR | PRIMARY_STATUTE | 1 per rolling 12 months | F5123/F5259: land has no occupant, so occupancy-gated pre-foreclosure carve-outs are out of scope by their own terms. The marketing-the-contract rule applies unchanged, so this cell takes the STRICTER of the state's own probate and tax_delinquent verdicts. |
| VT | Vermont | NO | UNVERIFIED | — | F5123/F5259: land has no occupant, so occupancy-gated pre-foreclosure carve-outs are out of scope by their own terms. The marketing-the-contract rule applies unchanged, so this cell takes the STRICTER of the state's own probate and tax_delinquent verdicts. |
| WA | Washington | GO_WITH_DISCLOSURE | PRIMARY_STATUTE | — | F5123: land has no occupant, so the occupancy-gated pre-foreclosure carve-outs (CA 1695, NV 645F) are out of scope by their own terms -- they trigger only on lead_class=='preforeclosure'. The marketing-the-contract statute still applies unchanged, so this cell reuses the STRICTER of WA's own probate (GO_WITH_DISCLOSURE) and tax_delinquent (GO) verdicts as a conservative default pending opus legal review (F5121B build #3). |
| WI | Wisconsin | GO_WITH_DISCLOSURE_CAPPED_1_PER_YEAR | PRIMARY_STATUTE | 4 per rolling 12 months | F5123/F5259: land has no occupant, so occupancy-gated pre-foreclosure carve-outs are out of scope by their own terms. The marketing-the-contract rule applies unchanged, so this cell takes the STRICTER of the state's own probate and tax_delinquent verdicts. |
| WV | West Virginia | NO | UNVERIFIED | — | F5123/F5259: land has no occupant, so occupancy-gated pre-foreclosure carve-outs are out of scope by their own terms. The marketing-the-contract rule applies unchanged, so this cell takes the STRICTER of the state's own probate and tax_delinquent verdicts. |
| WY | Wyoming | NO | UNVERIFIED | — | F5123/F5259: land has no occupant, so occupancy-gated pre-foreclosure carve-outs are out of scope by their own terms. The marketing-the-contract rule applies unchanged, so this cell takes the STRICTER of the state's own probate and tax_delinquent verdicts. |
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