Due diligence in Philippine real estate is not optional — it is the difference between a profitable investment and a legal nightmare. This checklist covers every critical check across four phases: title/legal, tax/financial, physical/structural, and operational.

How to use this checklist: Items marked "Critical" must be completed and confirmed clean before any significant payment is made. Items without this label are important but can be addressed in parallel with payment stages.

Title and Legal

Certified True Copy of TCT/CCT from Registry of Deeds

Critical

Title annotations review — zero unresolved annotations

Critical

Seller identity verification vs government ID

Critical

Authority to sell (Board Resolution if corporate seller)

Critical

Technical description matches physical lot

Critical

No lis pendens, adverse claims, or court orders

Critical

For condos: foreign ownership percentage confirmation

Critical

For leasehold: full lease agreement reviewed by attorney

Critical

Tax and Financial

Real Property Tax (RPT) clearance — all payments current

Critical

Tax Declaration matches title technical description

Zonal value vs purchase price comparison for CGT calculation

CGT payment commitment agreed with seller pre-signing

Critical

Association dues current (for condos)

Utility bills settled — no outstanding arrears

Physical / Structural

Independent structural assessment by qualified engineer

Critical

DENR compliance — building permit on file

Critical

Beachfront setback compliance (25m from high-water mark)

Critical

Electrical, plumbing, and airconditioning systems inspected

Pool and outdoor structures assessed

Inventory list agreed and documented

Operational (for rental properties)

Current rental agreements reviewed (existing bookings)

Critical

Management contract terms reviewed and understood

Airbnb listing history / revenue data reviewed

Guest review history assessed

Insurance coverage details reviewed

Utility and HOA costs fully disclosed

BORACAYNAVI Does All This For You

Our due diligence covers every item on this list

DISCUSS DUE DILIGENCE