A working desk for buying government tax debt.
When an American property owner stops paying their property taxes, the county sells that debt to an investor. The investor is repaid with interest, or in a minority of cases ends up owning the property. It is a real, statutory, multi-billion dollar market, and it is run almost entirely on spreadsheets and telephone calls.
Lien Desk is the operating system for it: find the debt worth buying, price it correctly, and never miss the deadlines that destroy a position after you own it.
What it replaces
Today a single buy decision touches seven to nine separate systems plus a telephone call to the county. That chain is the reason this market stays small and manual.
Desk
Everything that needs a decision today, and the state of what you already hold.
Inventory
Over-the-counter and pre-auction liens. Screen, watch, or acquire without leaving the row.
| Lien↕ | Where↕ | Type↕ | Lien↕ | Est. value↕ | Exit ratio↕ | Rate↕ | Yrs↕ | Status |
|---|
Watchlist
Liens you are tracking to a sale or an over-the-counter purchase.
| Lien | Where | Type | Lien | Exit ratio | Verdict |
|---|
Positions
Live capital. Accrual by state convention, redemption clocks, and the endorsement window.
| Cert | Parcel | Where | Paid | Rate | Accrued | Redemption ends | Endorse by |
|---|
Calendar
Sale windows, and the list-release dates that actually govern when you can act.
Jurisdictions
The rules engine behind every calculation in this workspace. Eight states were verified against statute on 25 August 2026 and carry a citation. The remaining forty-three are source-derived and unverified.
| State | Instrument | Rate | Convention | Redemption | Sale window | OTC known as |
|---|
Evidence
Why this workspace computes the way it does. Each finding drives a rule in the engine.
Plays
Five strategies drawn from the recorded training. Each one screens the same inventory differently, because each is buying a different outcome. Choosing a play sets the filters and the expected result.
These are the practitioners' own strategies, reconstructed from the audio. Four of the five have no written source anywhere in the programme.
County research
The rules that matter are set county by county and mostly are not published. This is the call protocol, tracked. Every answered county improves the engine for every deal in it.
Markets
Where to work, before what to buy. The practitioners' selection rule is deliberately counter-intuitive: avoid the fastest-growing counties, because that is where the competition and the overwhelming inventory both sit.
| County | Liens | Median lien | Passing | Guidance |
|---|
Guidance reflects only what the recordings state explicitly. Population trend and year-on-year value change are the two county filters they rely on, and neither is in the source data — both are county research tasks.
Bid
What the auction actually pays. Interest accrues on face value only, never on premium, and in bid-down states the published rate is where bidding starts.
Allocate
Given a pot of capital and your own constraints, which liens fit and what would they be expected to return. This computes against the criteria you set and shows its workings. It is a planning tool, not a recommendation.
Import
Export a certificate list from your auction platform or county portal, then drop the file here. Columns are matched automatically and you confirm the mapping before anything loads.