Surprise! A Solar Lease Almost Killed your Refinance

I have to get used to asking this question this day and age; do you have solar?  I worked a refinance with a low DTI, great credit and very low LTV.  Everything went smoothly until the escrow agent ran their final title search, albeit late in my opinion (we had already wired the funds).  Much to everyone's surprise a solar lease that wasn't on the prelim shows up on title.  When I called the home owner to let her know what was happening she said, "yeah I didn't even think about that because we haven't turned it on yet." They leased the solar panels about three weeks before we started the refinance process. Needless to say this caused some serious issues with recording and dispersing the funds.  The bottom line is we're able to get it done but it was delayed waiting for a subordination agreement.  Lesson learned, "do you have solar?" needs to be added to my list of initial questions I ask all borrowers.