LiveBaltimore seems to indicate that the ground rent holder owns the land:https://livebaltimore.com/city-living-essentials/g...However this law firm in Maryland has written a conflicting article:https://pricekeir.com/what-the-heck-is-ground-rent...The people's law library which @Matthew Paul linked to says: "ground leaseholder who holds a reversionary interest in the property or 'ground' underneath a home."

I'm the benefits holder for the family so I'm not able just to stop and go all in until we're making what I am currently making a year.

You can definitely find buy&holders on here.

If you are OK with waiting a few more months, I would talk to the seller’s side about getting a short sale submitted to be reviewed by the lien holders ASAP.

@Mary Ann Casey,The properties owned by your IRA can not be covered by the umbrella policy for your personal properties (and visa versa), this would be violation of the IRS rules. 

If the property owner does not pay, the recourse is for a tax lien holder to foreclose. 

Line 520 is "total reduction amount".... this the total of closing costs, commissions, payments to other lien holders, etc. 

First of all, if the issue is a lien or judgment that is attached to the property, it may be possible to contact the lien holder and ask for a release of lien.

A year later I located the person at the city that had the information about the lien holder that I was not able to find on my own.I still don't have the final bill from my attorney for the foreclosure.

I should be getting the word out there to distress property holders en masse that I am in the market and let them come to me rather than scouring and cherry-picking pre-foreclosure lists.2.