In GA if there's a lien the title is kept on file with the state. I suppose you could order a copy.In KY the lienholder doesn’t hold the title, the car possessor does, but the lien holder is listed on the face. To transfer the title the buyer would need the seller to sign it and have it notarized. The buyer would need the payoff letter from the lender to have the title cleared by the county clerk, or would need the seller to do that for them. So I guess I’ve ended up answering my own question in a roundabout way. I would only do it if I could have a copy of the payoff letter at the time of transfer.
Transfer doesn't require a notary but it is required for the Bill Of Sale.
All state's have their own way of doing things.