There are many agents out there, but it’s important to choose the right one.https://www.biggerpockets.com/blogs/5868/52724-im-new-to-investing-how-do-i-find-an-investor-friendly-agentI love answering questions if you have any!

@Matt Snow Wow, someone after all this time finally answered my question in full detail with not only legitimate responses but intelligent ones which are cited sources.

@Jeremy Porto the easy one to answer is #2.

Hello BiggerPockets family, I have a question that I’m looking for answers too.

Many of the local people I have spoken with are glad to answer questions but aren't really open to help any more than that. 

Short answer, if the HOA foreclosed and now the mtg holder is foreclosing, you will indeed get proper title. 

There is no right or wrong answer.

People like you in your position need to find a piece of content that tells you "OK if the seller asks you this: " but what if I bypass the 2.54 points of the mortgage proceedings into my IRS  bloompot horseshoe butter with peanut sauce".. and tells you exactly what to answer, in order for you to be brave enough to start (The answer is blueberry btw!).

You will get different answers from everyone on here because everyone's situation / personal assets are different. 

If it's cash flow, then the $100/mo loss should answer your question.