It was a second mtg or junior lien that foreclosed...hence the “buyer is responsible for the 1st mtg” since it is still in place.  

@Kendrick Laboy I think what you are saying is that junior lien holder or HOA, not the first mtg foreclosed on it 2016....then a month later the preexisting 1st mtg holder filed foreclosure....then, you purchased it at that foreclosure in 2019????

Junior 

@Junior Soares I’m actually very much considering Ohio.

@Andy Mirza So your saying the lien people are bidding on is a junior lien and when they win they will still have to pay the mortgage or any other more senior lien agreement, correct?

You can have 1 detached ADU up to at least 800 square feet and up to 2 stories (16 feet).You can have an additional attached ADU (known as a Junior ADU) inside the building envelope which usually means converting the garage. 

And your right no reason to go junior on any of this stay in first position.. 

First, most lenders aren't going to like the fact that you have none of your own money in the deal... perhaps if they are family or close friends, they might do that, but most others wont.most others won't.Next, if you have multiple lenders, at least one of them will have to take a junior lien position, giving them less security should the deal goes south.

Hi All,I'm a junior auto mechanic in Brooklyn looking to jump into REI.

Also, some situations will Require the buyer to come in with some additional cash, above and separate from the purchase price, to settle with junior lien holders who won’t accept the 1st mtg holder’s offer to them, HOA’s being a prime example of this.The Last thing the owner needs is have their property tied up up with an offer that has no chance of be approved for a couple of months, when another buyer willing to pay the appropriate price may be out there.