Page 37 208 So. 3d 227, *; 2016 Fla. App. LEXIS 17683, **; 41 Fla. L. Weekly D 2658 trust documents did not allow for inclusion of notes that had been endorsed in blank, the borrower was not a party to those trust documents and therefore lacked standing to challenge them. OUTCOME: Reversed and remanded. CORE TERMS: mortgage, legal conclusions, endorsement, foreclosure, endorsed, blank, expert witness, inception, holder, final judgment, legal opinions, attorney-in-fact, substantial evidence, promissory note, expertise, borrower, involuntarily, impermissibly, questionable, post-trial, conclusory, relevance LexisNexis(R) Headnotes Civil Procedure > Justiciability > Standing Civil Procedure > Appeals > Standards of Review > De Novo Review Civil Procedure > Appeals > Standards of Review> Substantial Evidence [HN1] Generally, the determination of whether a plaintiff has standing is a legal issue subject to de novo appellate review. To the extent that the trial court's standing determination involves factual findings, an appellate court upholds such findings only if supported by competent, substantial evidence. Civil Procedure > Justiciability > Standing Real Property Law > Financing > Mortgages & Other Security Instruments > Foreclosures Contracts Law > Negotiable Instruments > Negotiation > Indorsement > Blank Indorsements Contracts Law > Negotiable Instruments > Negotiation > Indorsement > Special Indorsements Contracts Law > Negotiable Instruments > Transfers [HN2] To have standing, a plaintiff who is not the promissory note's original payee must have possession of the note at the inception of the foreclosure case. This plaintiff also must provide the trial court with either an assignment in favor of the plaintiff or a note that bears either an endorsement in blank or a special endorsement in favor of the plaintiff. Evidence > Testimony > Experts > Admissibility Civil Procedure > Appeals > Standards of Review > Reversible Errors [HN3] W