They were prior homeowners and sold their house before moving into my rental.So, throughout the course of the year lease, she was struggling to pay. 

There are opportunities at several stages here, for the homeowner. 

As a landlord you might want to go with a cheaper "named perils" policy instead of a comprehensive homeowner policy.I guess the good news about your HOA fees is that you're not being hit with an assessment in addition to higher fees. 

It could also be the result of job loss, career switch, free lance work, self employment, spouse wanting to stay home with newborn, pay reduction, or inability to sell existing home, moving job locations, or any other “life circumstances”.After thinking about it, my opinion on the “ethics” of entering a lease option as an investor with a homeowner/consumer rests on two issues.  

- I’ve heard that in some cases, the homeowner can still redeem the property after the auction.

Say:"I work with a team that has successfully helped homeowners like you.

I’m partnering with some great men and women and will be wholesaling properties and bringing solutions to home owners.

Perhaps these home owners are at a stage in their life that would customarily lead to purchasing a new home, but many will opt to stay put because they don't want to trade their mortgage coupled with the cost of purchasing any new real estate.

As a private homeowner a good real estate brokerage should have a list of all things useful to homeowners available to you.

How do you find information on homeowners?