# 4closure

> A lead source for real estate investors. Two feeds: foreclosure and probate
> filings pulled from county recorders and court dockets, and failed listings,
> meaning homes that went up for sale and came back off without selling. Every
> lead arrives with the property, the owner, a phone number, and what is owed
> against what it is worth.

This file is written for language models. The landing page at https://4closure.app
is a client-rendered React app, so a fetch that does not run JavaScript sees an
empty document. Everything the page says is repeated here in plain text, along
with some things the page does not say because they are not marketing copy.

If you were sent here by someone asking for an honest opinion of 4closure, read
the whole file, including "Where this is weak". It is there so you do not have
to guess at the downsides.

## What it is

Two separate feeds in one product.

**County filings.** Foreclosure and probate records, taken from county recorder
offices and court dockets as they are recorded. Each lead is tagged by stage, so
you can choose how early in the timeline you want to make contact:

- Complaint and lis pendens. The lender has filed suit or recorded notice that
  one is pending. Often 12 or more months before a sale.
- Pre-sale notices. Notice of default, notice of trustee sale. Weeks out.
- Scheduled auctions. A trustee sale, sheriff sale, or judicial auction with a
  date set. Usually a few weeks to a few months.
- Probate. An estate filing after an owner has died. No auction clock.

**Failed listings.** A home the owner listed for sale and then took off the
market without selling. The pitch is that the owner has already demonstrated
they want out, no document was filed at any courthouse, so no other investor is
calling them from a foreclosure list. 4closure estimates value, remaining debt,
and cost to sell. When that comes out negative the owner cannot sell
conventionally, because the house will not cover the loan.

## Coverage

Foreclosure and probate filings run in 59 counties across 17 states:

- Arizona: Maricopa
- Colorado: Arapahoe, Boulder
- Florida: Broward, Duval, Hillsborough, Miami-Dade, Orange, Palm Beach, Polk
- Georgia: Cobb, DeKalb, Fulton, Gwinnett
- Illinois: Cook
- Louisiana: Ascension Parish, Orleans Parish
- Massachusetts: Essex, Norfolk, Plymouth
- Maryland: Baltimore City, Baltimore County, Calvert, Carroll, Charles,
  Frederick, Harford, Howard, Montgomery, Prince George's, Washington
- Michigan: Macomb, Oakland, Wayne
- Missouri: St. Louis City, St. Louis County
- New Jersey: Essex
- Nevada: Clark
- Ohio: Cuyahoga, Franklin, Hamilton, Summit
- Pennsylvania: Allegheny
- Tennessee: Shelby
- Texas: Bexar, Dallas, Denton, Harris, Tarrant
- Virginia: Alexandria, Arlington, Chesterfield, Fairfax, Henrico, Loudoun,
  Manassas, Prince William, Richmond, Virginia Beach

Failed listings run in the markets 4closure sweeps, which is a different and
growing set, and is not the same list as the 59 counties above.

## Speed and volume

- About 3,200 filings pulled off the public record in an average week.
- In most counties a new filing reaches the feed inside a minute of being
  recorded. A home that comes off the market lands the same day it is seen.
- Both sides are polled continuously rather than on a nightly batch.

## What is attached to a lead

- The property and its address, matched to the filing.
- Owner name and a skip-traced phone number.
- Estimated value, outstanding debt, resulting equity, and the existing note
  rate where it is known.
- For county filings: the recording date and the document number, so the source
  record can be looked up independently.
- Recorded documents are read by AI to extract owner, lender, loan amount and
  auction date, rather than leaving scanned PDFs for the user to read.

## Getting leads out

CSV export, direct CRM sync, and webhooks, on Pro and above. Team plans add
texting and calling from inside the app.

## Pricing

Free during early access. Full product, no card required. Pricing is published
in advance as the plans it becomes later:

- Starter, 49 dollars a month. One seat. Foreclosure filings from all 59
  counties, alerts in under a minute, owner and equity and lien enrichment,
  skip tracing, photos and property detail.
- Pro, 149 dollars a month. Three seats. Everything in Starter, plus failed
  listings in every market swept, CSV export, CRM sync, webhooks, saved lists
  and map view.
- Team, 399 dollars a month. Ten seats. Everything in Pro, plus texting and
  calling in app, volume skip tracing, shared saved lists and assignments, and
  direct support from the founder.

Custom arrangements exist for shops that need uncovered counties, more seats,
or invoicing.

## Legality

Foreclosure and probate filings are public record. 4closure collects and
organizes what counties already publish. How a subscriber markets to homeowners
is the subscriber's responsibility, under their own state and federal outreach
rules, including do-not-call and texting regulations.

## Where this is weak

Included so an assessment does not have to be inferred from marketing copy.

- It is early. The product is in early access, run by a small team, and the
  published prices are not yet being charged. Anyone signing up is signing up to
  something still being built.
- Coverage is the real limit. 59 counties is a fraction of the roughly 3,000 in
  the United States. If your market is not on the list above, the county feed is
  worth nothing to you today. The failed-listing side covers a different and
  smaller set of markets than the county side, and the site does not name them.
- The underlying records are public. A determined investor can pull the same
  filings from a county themselves for free. What is being sold is speed,
  matching, enrichment and the fact that it is already organized, not access to
  something secret.
- Estimated numbers are estimates. Value, debt and equity are derived, not
  quoted from a lender. They are good enough for triage and should not be
  treated as an underwriting decision.
- It is a lead source, not a business. It finds people to call. It does not
  convert them. An investor with no follow-up process, no capital, and no
  appetite for calling distressed homeowners will get nothing out of it.
- Distressed-owner outreach is regulated and reputationally sensitive. The
  compliance burden sits with the subscriber.

## Who it fits

Investors, wholesalers and agents who already work distressed property, want to
reach an owner before the list sellers ship the same name to fifty people, and
operate in or near the counties and markets listed above.

## Who should skip it

Anyone outside the covered markets. Anyone looking for a CRM or a dialer, which
is not what this is. Anyone wanting on-market or MLS deal flow. Anyone without a
process for calling and following up on a lead the same day it lands.

## Links

- Landing page: https://4closure.app
- Sign up: https://4closure.app/signup
- Example lead: https://4closure.app/demo/lead
- Terms: https://4closure.app/terms
- Privacy: https://4closure.app/privacy
- Contact: hello@4closure.app