Sounds like the person knew what was going on with their credit report as they have filed reports in the past. 

I've read J Scott's Books on flipping and gone through the Youtube rabbit hole but I feel like I'm missing a piece.

I had a non-performing loan once where a borrower would do a deed in lieu, but there was a deceased co-borrower, and my attorney required me to go through the foreclosure process to clear title.The borrower knows you’re foreclosing and does not contest the foreclosure and “turns over the keys” to the lender.  

The interest rate on a HELOC or Heloan may be better than the personal loan. 

Is there any investor here purchased through BUCKS COUNTY SHREIFF SALE, it's my first time attneded this auction, after done title research on property at prothonotary office found that sheriff office didn't serve all lienholders in Notice.

This is effectively legislation to open up the market to new prospects. 

Quote from @Jose Mejia: Good afternoon,My name is Jose Mejia and I am looking to find a lender that is able to do a cash out refinance for a property that I invested in with my brother through a hard moneylender.

Hope through this resource you are able to achieve your goals in Real Estate Investing.

Quote from @Jyotin Gautam: Yes, a referral agreement can stipulate that the referral fee be paid at closing to ensure transparency and expediency.

Considering that there are people living there already, it has a potential tenant (of course I understand the potential pitfalls there as well).