It's a huge bummer, and I can totally understand your frustration, especially as a tax-paying citizen.

Yes but, It's not like the foreclosure happens, senior lien holder gets paid off, and excess funds automatically go to HOA or whoever else.

You get a trustee's deed from the foreclosure sale then you pay the senior lien off.

There are some good incentives for US citizens to invest in Singapore.

Citizens Bank offers a competitor rate - Also a bank with an existing relation ship will offer you good terms.

And then the rest are all seniors who wouldn’t ever even consider paying online and their checks are always on time every month because most have rented their whole lives and know the routine.

Tell your broker to split the coverage for example wind with Citizens and hazard/liability with someone like Tower Hill. 

Hi, I am a Canadian Citizen and my girlfriend is a US permanent resident.

Inheritors in their senior years are not benefitted. $5000 well placed in your 20s is worth infinitely more than anything you get when you're 70. 

I'm curious what kind of list he used.If you work with a list broker they can suggest lists that can be customized to your area and investing goals.Absentee Owners have been the go-to list for years, but in a competitive market like yours, you need to get creative since it's safe to say that the absentees have been getting multiple offers in the mail.Consider Owners with Low Financial Stability Scores and Seniors with Long-Time Ownership.