Which of the following may become a cloud on a title

Deed restrictions refer to provisions placed in the deed of a property that limit the use or alterations of the property. While they can affect how a property is utilized, they do not constitute a cloud on the title in the same manner as a financial obligation. Instead, they serve as guidelines for property use rather than claims against ownership.

External obsolescence pertains to the decrease in property value due to factors outside the property itself, such as economic downturns or changes in the neighborhood. Although it can influence marketability and valuation, it doesn't create a claim or encumbrance on the title, thus not qualifying as a cloud.

A zoning variance is a request to deviate from established zoning regulations, allowing for specific property uses that differ from the zoning laws. While it can impact property use, it does not impair the title or present a financial claim against the property, so it does not become a cloud on the title.