I would like to think this is a matter of common sense and what I've been doing is just that, following through; however, appearances can be deceiving.

there appears their contact info?

The robo-signing scandal aside, it appears that the banks are simply allowing the homeowners to continue to live in these properties rent-and-mortgage-free.

This appears on the 2nd mortgage agreement which records the discount received.

A problem you might get is that the bathroom appears to be too close to the kitchen, and turnoff for some buyers.

In cases where there was some kind of problem such as a rehab that was more than the HOA wanted to handle or a sticky owner/tenant/occupant situation where they didn't want to evict, I could see where investors like us could provide a solution.I think the trick is to market to directly to the decision makers (HOA boards) or the gate keepers that could positively influence the decision makers (attorneys, trustees, HOA management) but I'm trying to figure out what would be the best way.Thing is, the HOAs I'm working don't appear to be foreclosing and taking back anything they don't want.  

This goes for Keynesian Economics, Supply-Side Economics and all the less popular economic theories in-between.A theory is only as good as its implementation, and as we've seen over the past many decades, neither supply-side nor demand-side economics as they've been implemented in this country appear to be the holy grail -- yet both are great on paper.

Ours do, and it appears that in most cases the foreclosing bank starts the bidding at the amount that's owed and then ends up taking the property back.

It appears it is part of the CDBG program.How does the program work?

Then again, if such is presented and the person whos signature appears and they acknowledge the signature in testimony it will apply, an acknowldgement in writing can also be obtained or provided.