Soooo...your Executive Summary shows exactly what I was describing with regard to the shortage (deficiency), of your Reserve Funds.

Such as the main bath and any areas where there are known deficiencies but depth of problem is unknown.

Oh and FYI - a deficiency judgement (the difference between what you owe and the auction sale amt) is rare and easily dischargeable in bankruptcy.

This is true even if the borrower may not be personally liable for the excess amount by reason of the contractual terms of the debt or the operation of state anti-deficiency statutes or similar laws.