Clearly you're the overly sensitive one here when you're ranting and raving about how bad HELOCs are and making poor judgements and assumptions.

basically 1k up front stay in your home one year.. in states with no deficiency judgement for purchase money the only thing the owner losing the house risked was their fico.

Visit your property prior to purchase if you can during bad weather.The day we closed it rained and the rain poured through the roof in the extension.

I have damages from the awful rain and must focus on that now.

I'm watching the playoff games today, and it seems every few minutes there's a VRBO commercial....They aren't mentioning AirBnB by name but they show a couple staying in a trailer where nothing works and then a couple staying in a really nice house with an outdoor rain shower, BBQ, pool , etc.....And the wording underneath says - 'Private Residence'.

Making educated judgements about this investment is essential.One of the major up-front expenses is the down payment.

Fast forward one month due to some delays and I received judgement for possession as well as a money judgement for the unpaid rent. 

That in what's primed to be the most contentious election cycle in US if not world history, a "go-to" is to "make-it-rain" in such situation as we sit now. 

The judgement of foreclosure is dated 9/25/23.

@Hiren Patani Make sure the process will end in a judgement or you take the next step and file for a judgement, it differs by area.