Ken - OUTSTANDING JOB!  

@Lorry Champagne When you apply to the tax collector to send a property to a Tax Deed auction....if your certificate was say $1000 and you had to pay an additional $5000 to redeem the other outstanding certificates and tax collector fees, then the minimum bid at the Tax Deed auction would be $6000, the money you already have out of pocket.If someone else bids that $6000 minimum, then you get repaid.If no one else bids the $6000 minimum, then you get the property/Tax Deed......that sounds good at first, but realize that means you just paid more for the property than anyone else was willing to pay.BTW,I agree with Ned, all these training/buyer clubs for tax liens are useless.....most of them are selling you junk liens that no one else wanted, or a lien that someone bought then realized it was a mistake.

Sellers must deliver their property free of encumbrances, including any outstanding loan balances, to qualified buyers.

@Rosie GellerTalk to @Michael Plaks, he is a Texas-based tax expert but works with clients nationwide.

You wouldn't be able to use another FHA loan to buy a second property while you had an outstanding FHA loan so you might consider refinancing. 

Have you tried a community bank or some of those larger nation wide ( corvest finance etc) for a high LTV loan?

If so the money should cover most of the money outstanding of the 15k. 

Monthly pmt is 1.5% of outstanding balance.

I would inquire on the HOA to see if they have outstanding assessments that could be a problem.

I don't like them, but I think their brand recognition is so strong nation wide that they will be here for the long term.