You can check their social media profiles to get a better sense of their character.

Has anyone used HomeAdNet to manage social media and listings?

See if you can purchase the HOA lien and then foreclose subject to the 1st, and HELOC. you may be able to skip trace the borrower and get their social sec (if you legally can), pull there credit and see the balances.. is the HELOC has a 250 max, you know where that is unless it's in default.Check to makes sure there aren't any senior liens, or "super liens" like property tax.Also, evaluate the BK risk

I agree, don't get so tied up in social or other activities in school that deters from the education.

For the predator mind set, the approach is to make money from  an owner's equity by playing on factors unrelated to the property itself, such as foreclosure, tax issues, death in a family, excessive holding periods of time on the market, some social or financial matter forcing or influencing a sale.

@Elke Cardella  I do inside the city not surrounding areas but I have heard many of the lower social economic class are moving out of the city to Owings Mills.

IRA's, Social Security, Rental Income all play a role.

Reach out to the owner, ideally over social media - InMail's on LinkedIn work great.

This business is CASH OR TERMS as a REI.LOW CASH or better price on terms, ie sub2, lease option, wrap, master lease, master lease option, etc.If you do not like it, then do something else, like social work. 

If a person is receiving Medicaid or SSI (different from Social Security retirement), there is a pretty low cap on the amount of liquid assets that can be retained ($2000 IIRC).