@JUNIOR NELSON Moved the topic from the New member forum to this one.

Given what you've written, if this special proceedings were in NC, the HOA lien would be a junior lien to all home equity loans and the first position mortgage per NCGS 47C-3-116 (c).

You will need to deal with the junior lender.

Junior liens, mechanic liens, etc. are wiped off title.

I am in college and just starting my junior year.

Assume that most hard money deals will have the hard money lender expecting to be in 1st position.Mezzanine financing can take place with an outside investor comes in with equity or a junior loan.

Junior liens are much more difficult to obtain the waiver than primary liens.As previously stated, you need to negotiate at least one short sale to understand the issues involved in the negotiations, such as the lender losing the paperwork, the account having one negotiator for a while, then right when negotiations are set to complete, the account is assigned to another negotiator, etc.

I prefer buying existing, performing junior notes.

And not the multi-thousand dollar mastery classes you hear about on the radio and tv but a real estate principles class at a local junior college.  

Location is with in walking distance of a junior high and also a high school.