:So many people go to "Bank A" and get turned down, and they don't try anywhere else.I applied with a total of about 8 banks, but actually started processes or deeper communications with about 4 - 5 of them.

There you will find links for "Bank REO Listings" and "REO Asset Managers".Of course, Citi could have this loan guaranteed by some mortgage insurer or gov't enterprise (like Fannie or Freddie or VA or FHA); in this event it could be sold via the channels used by those entities.

That said, it may not be easy and as Jon said, you'll just need to communicate them regularly until it is resolved.The HELOC, who is now in first lien position, doesn't really have an incentive to sign the subordination at this point, UNLESS, they had previously already agreed to do so.

What that said, we have contractors doing the work for us, and overseeing things, while they communicate with us.

It would be less expensive to communicate exclusively with them on email than on the phone, but on the other hand I can see that leading to long email tag games and BS.

The landlord tenant relationship is a business relationship....one that can require communication 24/7.

Be sure to highlight your work and communication style so that everyone is on the same page from the beginning.

This forum is here to help, advise, promote, and communicate in a positive light.

However, Instead of the lender communicating directly with me, they always contact the home owner.

Books, Podcast, Seminars, YouTube channels, etc.