I understand why you say that, but pretty much any newer car that you buy used from a private party will have money owed on it. There's ways to keep your security with financial transfers on vehicles that have money owed on them.(hondpwr @ Apr. 18 2007,09:35) I think not having a title is hurting you.
I was all set to buy me another car (4 hours away) this weekend until I found out he still owes money on it. The only way I would buy with out one is through a dealer.