Hey everyone, I’m working on a situation I’d love some feedback on from investors who’ve done creative or save-the-home type deals before. Here’s what I’ve got: 📍 Indianapolis, IN 46208 🏡 4 bed / 2 bath – approx. 1,600 sqft 💰 Zestimate: ~$216K (Assessed: $180K) 💵 Remaining loan balance: $55,689 🚨 HOA foreclosure amount: $4,750 The seller really wants to stay in the home, but the HOA has started foreclosure over unpaid dues. There’s solid equity here, and I’d like to find a way to stop the foreclosure, protect the owner, and still make it a win-win. A few ideas I’m considering: - Subject-To or Wraparound Mortgage: Bring HOA current and take over payments, possibly letting the seller buy back later. - Shared Equity Agreement: Cover the default in exchange for a percentage of equity or future sale profits. - Lease-Option Structure: Reinstating the HOA, then leasing it back to the owner with a buy-back plan. - Private Lending / JV: Partner steps in to fund the arrears and secure position against title. I’m still learning the best way to structure this safely and ethically, so if you’ve handled something similar especially HOA foreclosures I’d love your input. Any guidance, examples, or creative strategies are greatly appreciated 🙏