Contracts

The doctrine of equitable conversion holds that once a real estate purchase contract is signed:

ALegal title immediately passes to the buyer
BThe buyer holds equitable title and bears the risk of loss if the property is destroyed✓ Correct
CThe seller retains all rights until actual closing
DBoth parties have equal legal and equitable title

Explanation

Under equitable conversion, at the time of contract execution the buyer holds equitable title (the right to acquire ownership) and typically bears the risk of loss. The seller retains legal title only as security until closing.

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