What are the risk of buying an occupied bank REO property via auction ?

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I am an investor and the house that I like, currently is occupied by a tenant who is taking exceptional care of the premise.  It is immaculate and well cared for by the tenants.  They are good tenant, and have expressed an interest in staying long term. and I want them to stay should I win the auction.

I just don't want to inherit any unknown debts/liens/issue .Can someone tell me, how does the bank's obligation to me change when it comes to an occupied home ? Do they have to pay off the HOA liens, municipal liens, or any issues that are clouding the title before they hand it over to me via Special Warranty Deed?