Contracts

Under the doctrine of 'equitable conversion' in North Dakota, once a purchase contract is signed and binding, the buyer is considered the equitable owner and:

AMay move in immediately
BBears the risk of loss if the property is destroyed before closing (unless the contract states otherwise)✓ Correct
CIs entitled to all rental income from the property
DCan mortgage the property immediately

Explanation

Under equitable conversion, once a binding purchase contract is signed, the buyer holds equitable title and may bear the risk of loss. However, many North Dakota contracts include provisions allocating risk of loss to the seller until closing.

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