If the hoa is foreclosing you probably also have taxes to pay and the first with default interest and late fees can be significant

If HOA fees, HOI Fees, and taxes haven't crumpled some it will.

Charge a monthly fee, have multiple students at once all use zoom meetings, or even sell a course for a certain amount of money.DO NOT continue to tell people they will make $500k and that it cost $15K+ to do so. 

Who pays servicing fees?

What is  reasonable cat fee?

It should be what it is now in which is the delinquent amount plus any additional  fees accumulated.   

buying and selling is also expensive - fees, fees, fees.not trying to be discouraging, just realistic. 

You are making enough income to bring a check with you if you can't sell for what you owe + any fees.

So far I have inherited 3 tenants who were there when I bought that were not on the program who paid maybe one months rent and then nothing for the three - four months it took for me to kick them out plus legal fees (Ny if its in an LLC you have to be represented by a lawyer).

In Oregon where I own most my properties, relocation fees for no-cause evictions is one months rent.