Tax lien certificates (TLCs) are a unique type of investment sold by counties through auctions in the United States of America.

They’re sold to both American residents and non-residents alike. So you can live outside the United States,  buy TLCs and earn an unusually high rate of return. The highest interest is earned on certificates described as ‘struck-off’ or ‘over-the-counter’ liens (meaning directly from the county).

While not without some risk, Tax Lien Certificates are secured by the real estate. The certificates give you no immediate rights of ownership in the property. They’re a way for you to earn a very high interest that’s guaranteed by the county.

What’s unique about TLCs is that your investment can be less than $500 – because it corresponds to the taxes that you’re paying off. When property owners fall behind on their property taxes, the law allows counties to sell certificates that cover the particular year’s delinquent taxes.

Each state has its own interest rate, according to law. Florida and New Jersey pay up to 18%, Illinois pays up to 36%; Louisiana and Kentucky up to 12%, and Colorado up to 9%.

That said, there are some conditions that alter those rates – except when you buy what’s called ‘over-the-counter’ liens, which will likely be one or more years old.

To learn more about how to purchase tax lien certificates and earn guaranteed interest, email:




‘Over-the-counter’ liens are the main subject of our upcoming book. A follow-up from the Canadian tax sales book, this book, on TLCs,  will show you yet another alternative way of earning part-time income even with very limited funds.

To be one of the first 200 people to get an e-book at 25% discount, send an email expressing your interest and we’ll let you know once the book is available.

Tax lien certificates paid 18% a year
on these lots in Ocala, Florida.

North Ocala lot obtained through tax certificate