If you're looking to buy property without putting any money down, some creative ways exist.

If you just listen to the 1000+ podcasts of the 'real estate', 'money' and 'rookie' you would have a good base of knowledge. 

@Mohan Deep, in most situations you will never recover that money.

It'll be more work on the front and back end but can be a great way to make money.

I by no means want to spend money especially that amount but in protection of my life, and my family 's life and property due to their lack of communication had no other choice.

And not using a hard money lenders or gap funders.

Begin by getting your first place in Manhattan, using your saved money and extra pay for more buys.

I am new to this so I am running out of ideas but in reality to start living together we need a 4 bd house for our 3 kids and a bunch of pets so we know it would be a house around $800K until we can make more money from our jobs and side hustles.

Where I am in Texas if it is a normal loan from normal bank, they step in the day before the sale or morning of the sale and get it resolved and the property never ends up in the sale.If the loan has small balance, or is some kind of private money loan or I would say unsophisticated lender then some chance it goes to sale.

The equity she wants is $55,000, which I don't have in cash fully, but I own a home now with that in equity, and I have money in an IRA.