In conclusion; I work hard, I'm determine, love to learn, I'm helpful, not afraid to ask for help, have a vision and a plan to obtain it, will take action, No handouts wanted/needed, I'm honest, trustworthy and true to myself. 

You're already taking great action by joining this forum and being active.

I currently work for a software company as a Systems Engineer, but in addition to my 9 to 5 I am looking to take action on my interest of Real estate and gain financial freedom. 

that's a great course of action that I plan on using.

So, this nice couple thought that the bank has already taken over the property and were surprised to learn that Citi has not even filed a foreclosure action yet.

Based on your feedback, it's looking like the best course of action is to sit tight and bump rent up upon lease renewal to increase cash flow.

@Bill S. ...exactly, no matter the cost, it will take Action...I also believe working with someone locally will be more beneficial..

Do your homework and take action.  

Reading a lot of post and a couple of blogs and podcasts. found potential flip/sell deals working with a realtor but unable to take action because of lack of experience and enough capital.

This will depend on whether or not the Borrower has already done this either through their own actions (asking for relief) or through the actions of the Mortgagee or Servicer (contacting the Borrow with alternatives to foreclosure).A FC attorney would have to bring forth concepts to stall or stop the foreclosure.