HML for Subject 2 - to Refinance or HELOC?

[Sabrina L.]

Newbie here and I've been eyeing a home in Florida that looked like it was ~15K in delinquent HOA fees. but it actually looks more more like 70K-ish in delinquent mortgage/HOA/Taxes etc. Wondering if anyone can give advice or insight on if it is possible to get a HML to cover the 70K so I can pay off everything (so they don't foreclose). Then either get a cash-out re-finance or HELOC to pay back the HML? What would the lender need from me in order to re-finance? Would I have to adhere to a 6 or 12 month waiting period? Is it possible to get a HELOC if I'm not the mortgage holder? The monthly mortgage payment is great and I wouldn't want it to go up when re-financing so I'm trying to figure out what the best solution here would be. Maybe it's too much in a hole for me to take on, but would love to hear more experienced thoughts and opinions. thanks!