The base rule in Florida is priority: the lien that starts the auction wipes out everything below it and respects everything above it. So the first step is identifying which lien is foreclosing and in what position.
Almost always survive: county property taxes (they hold super-priority), IRS liens if still within the 120-day federal redemption window, certain municipal code-enforcement fines, and any mortgage in a position senior to the one that sued.
Wiped out: junior mortgages, prior HOA liens (except the safe-harbor cap), creditor judgments, and most liens recorded after the foreclosing one. The operational key: check the public record and the complaint before you bid, not after. BIDROI runs that legal analysis automatically and reflects it in the Title and debts factor of the BIDROI Score.
BIDROI computes the Strike Price, the BIDROI Score, and the legal risk for every Miami-Dade property.
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