My fiance passed away 3 years ago and I lost a lot of my money as we were not married.

If you pay 80-90 cents on the dollar for these HOA properties and then the decision gets over turns and now you have to pay off the deed of trust your investment will have lost you a ton of money. not to mention all of the other risk you assume about the quite title action being completed properly etc.So to recap a little, are there a ton of empty homes that still need to be foreclosed on?

Is better to find another opportunity and miss something rather than get in and find out you lost capital on a scam.

There was a recent case in Florida where a BP member did an option that wasn't properly made, it was gurued up, and the contract was deemed to be a sale contract, he had to repay the option price as that turns into a deposit, besides the costs of the case I don't know what else he lost.  

Couple this with our 100 year flood type rainy season and we really lost a lot of time and money on this portion of the project. 

Even if you paid more, it would cost you less.  3 months is unacceptable, and you loose possibly thousands on lost rent, holding costs, PITI.  

If I want reductions on inspection and seller says get lost then I would have to eat the appraisal costs.

He only looked out for himself and at the end I lost money on two out of three properties.With the money my wife and I had left we decided to get a buy and hold.

Months later I would run into someone and they would say they accidentally lost the card but was looking for my contact info etc. and wanted to talk with me.

Unfortunately, some buyers have fallen for this scheme, and have lost money.Be aware, also, that this particular scheme is only one of many forms of online fraud being perpetrated against real estate licensees and their clients.