👋 Hey there, fellow investor! Sounds like you're in a tricky spot with that junior lien. Here's the deal – when the big dog (primary mortgage holder) starts barking about foreclosure, it usually throws a wrench in the works for us little guys. Your junior lien sale might get put on ice for a while.

But don't throw in the towel just yet! You've got some moves you can make with the primary lender. Maybe offer to catch up the mortgage, float the idea of a short sale, or see if they're open t...

From what I understand, buying an HOA lien generally doesn’t give you rights over any outstanding mortgages, as the mortgage typically has priority over the lien. However, in some rare cases, if the HOA lien is super-priority and the foreclosure sale wipes out the mortgage, the mortgage might be extinguished, but this is highly dependent on state laws and specific circumstances. It's worth double-checking with a local real estate attorney or expert to confirm how it works in your area.