Escrow & Title
In Michigan, which encumbrance does NOT affect the physical use of a property?
AA deed restriction limiting use to residential
BA mortgage lien✓ Correct
CAn easement for a utility company
DA zoning overlay requiring setbacks
Explanation
A mortgage lien is a financial encumbrance (affecting title and ownership) but does not physically restrict how the owner uses the property day-to-day. Deed restrictions, easements, and zoning all physically limit property use.
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