I bet it's awesome though!

Your best bet is probably to include your mother in this process, ask your mom to refinance the property to buy her sister out with the agreement that she'll sell half to you, or include you on the loan and the deed and have a separate contract saying she has higher ownership interest until the loan is paid down to a certain amount so she is covered for her half.

I bet so, so why is him giving financing any different?

I would say getting power of attorney to your folks would be the best bet in signing the closing documents for your purchase.

Then I make a bet with him, I bet I can get her phone number in less than three minutes talking to her.

The best bet is having an inside track.

You won't be "asssuming" a loan out of foreclosure, I'd bet on it.The loan may be caught up, depends on what's going on.If #2 above, an heir may assume an existing mortgage.

The house was actually occupied by a very sad-looking addict who had made a habit of leaving blood-soaked cotton balls and bandages throughout the house.

Don't make a habit out of that sort of transaction though, you might find yourself in trouble later.

I only read the original post, mainly because no one knows your laws or customs.HOAs here usually overstep their authority, folks on the board usually have limited RE or legal experience.IMO, your denying access was overstepping by leaps and bounds, if you don't have the right to place a lien on the rights of ownership I'd bet you sure can't deny all the rights of ownership keeping them out.I'd be surprised if denying others to enter would be acceptable either.Seems if you know the guy is moving out that would be a good thing, he might sell it to someone more responsible.I suppose if your law says pay or go to jail, he'd be going to jail.