Case file — Summit Auto Gallery (Stockton, CA). Profile: independent seller of in-house financing (buy-here-pay-here); ~24 years trading; ~47 vehicles listed.
Lot address: 4681 Credit Row, Stockton, CA. Visitor parking: Front-lot customer stalls facing the office; overflow on the side street near Stockton lot gate.
Signals checked: state license (current); doc fee $249 (disclosed); outside inspection permitted, including off-site; title-in-hand ratio ~79%; after-sale terms a 6-month powertrain warranty on newer units.
Finding: one unresolved signal — title transfer timing exceeded the state's window in a reader file. Index status: watch, pending a second transaction record.