Thanks all!
I think I missed diagnosed my problem. When I take two photos of the same subject, one in IR and the other in the visual range, and then try to layer them up they do not align properly. Even with transform tools it is difficult to match them up. A tripod was used when taking the two shots, the only thing that changed was swapping out the external 720nm and hot mirror filters.
I mistakenly thought this was a focus issue, but both images have crisp details. Any other thoughts on how to correct this?
Shearline