Price and timing depend on a lot of factors.

The title company that is located in the building were the foreclosures are held ( they are actually held in the parking lot of said building.)

My questions stems from wanting to take out a 2nd mortgage to build an ADU now while rates or high or keep waiting until rates drop.

I also am considering buying land and building, so would love to hear thoughts on that as well.

Most of the " we will help you stay in your home companies" got put out of bizz during the GFC since so many were just fraudsters .If someone is in foreclosure their credit is ruined at that point going to foreclosure sale does not matter on their credit enough to make that a  motivating factor although folks BS about that too.

At the top of your screen you will find a section called "Build your Team" There, you can connect with property managers, realtors, lenders, and CPAs that specialize in real estate, and you will find Cincinnati well represented with highly reviewed professionals, by members of BiggerPockets, who are eager to compete for your business. 

Particularly in Philadelphia where there’s a ton of red tape to navigate and construction costs are disproportionately high relative to other markets.Ten years ago I could walk into a district L&I office, complete a two page application and pick up a building permit without plans for a single family renovation the next day.

Gutted the entire building and left the exterior as is.

My new wife and I are moving to FL with family because we think we'll be able to build wealth much easier here.Luckily, we'll be living with family for a bit while we get settled.

For a more accurate financial projection, factor in these additional expenses separately.