Would bank finance repairs on home with prior owner note still open? (foreclosure)

[Joe Henry]

Here's a longer form post about my situation, but i'll summarize it below (https://www.biggerpockets.com/forums/41/topics/1163859-hoa-f...)

> Military husband/wife buy new home, divorce, stop paying note and hoa
> Husband is erroneously removed from title by tax appraiser, HOA forecloses on wife, I buy home at auction
> Now I am on title, wife and husband on note, bank cannot foreclose because husband is protected by SCRA 
> (more on this in the above post, but husband does not want the house back)

A while after moving in I discovered water damage inside a wall where rain has been getting in due to needing a new roof. I don't have funds for the roof, or to replace the outside supporting wall frame and stucco.

However the bank has changed the locks on me multiple times to "protect their asset", which got me wondering, would they also put a new roof on it and repair the rot to protect their asset? Haha it might be a reach but I don't have many options at the moment. The roof is from 2008, and I assume the bank is carrying insurance on the property. I'm surprised the insurance hasn't required a new roof yet.

What are my opitons here? I can get in touch with the lender and ask them, or should I try to go to their insurance provider? 

I'm a fish out of water in this situation (this is my home, I don't do RE for income), so any possible approach to the situation is appreciated!

[Chris Seveney]

Quote from @Joe Henry:

Quote from @Chris Seveney:

@Joe Henry

Bank is not going to assist you if they are not getting paid. At some point they will get their money but they are not gonna spend good money after bad especially when you are living there.

Your house your repairs.

That's unfortunate. You don't think they will want their insurance, which I assume they've been paying out of pocket for many years since the house was build and owners never paid, to cover the cost of a new roof and fix the leak which appears to have been there since the house was built?

The amount of red tape they will have to go through to get that approval - not happening. Also now that the property was sold via HOA auction, they do not need to worry about SCRA since that borrower no longer owns the home. They can go to foreclosure at any time because the borrower no longer owns the property.