Use IRAC Before You Call Title Unmarketable
Use IRAC to frame a title defect before advising on cure, waiver, or termination.
The practical move is to make the legal question smaller before the closing pressure makes the advice sloppy. What IRAC Teaches In Title Work IRAC keeps a title review from turning into a vibe check. The Issue is not "the title is bad"; it is the exact legal question, such as whether an unreleased lien creates an exception that defeats the contract's marketable-title condition. The Rule is the governing contract language, title standard, endorsement availability, and local recording law. The Application is where the discipline lives: amount, parties, chain position, payoff evidence, release mechanics, title insurer requirements, lender tolerance, and…
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