Page 38 208 So. 3d 227, *; 2016 Fla. App. LEXIS 17683, **; 41 Fla. L. Weekly D 2658 Real Property Law > Financing > Mortgages & Other Security Instruments > Foreclosures Civil Procedure > Justiciability > Standing [HN4] Florida courts have repeatedly held that borrowers cannot defeat a foreclosure plaintiffs standing by relying upon trust documents to which the borrower is not a party. COUNSEL: Carlton Fields Jorden Burt, P.A., and Michael K. Winston, Dean A. Morande, and Alana Zorrilla-Gaston (West Palm Beach), for appellant. W.J. Barnes, P.A., and Jeff Barnes (Boca Raton), for appellees. JUDGES: Before SUAREZ, C.J., and SHEPHERD and SCALES, JJ. OPINION BY: SCALES OPINION r228J SCALES, J. Appellant, plaintiff below, Citibank, N.A., as trustee for the BSARM 2007-2 trust (the "Trust"), appeals a final judgment involuntarily dismissing the Trust's foreclosure complaint post-trial. The trial court entered final judgment against the Trust based exclusively on Appellees' expert witness who testified at trial that the Trust was not, and never had been, the holder of the subject note. We reverse because the trial court impermissibly relied upon the expert's legal conclusions rather than competent, substantial evidence. I. Facts In September of 2006, the now defunct Orion Bank loaned Appellee Martin Olsak $540,000. Orion Bank's loan was memorialized with a promissory note (the "Olsak Note"), and secured with a mortgage (the "Olsak Mortgage") encumbering Olsak's real property in Key West, Florida. After Olsak defaulted [".2] on the note and mortgage by failing to make a required installment payment, the Trust -- which had allegedly acquired the Olsak Note and Mortgage — filed a foreclosure action in Monroe County Circuit Court in June of 2009. Prior to trial, the Trust filed with the Court the original Olsak Note payable to Orion Bank. The Olsak Note was endorsed by the loan's servicer, Wells Fargo, as Orion Bank's attorney-in-fact, and then end