1 – You work out a loan with your relative. It is simply between you and them. your relative gives you the cash, then you go to the auction with the money and buy the home. Title will be in your name. The terms of the loan are between you and your relative.
2 – Your relative buys the home. Title is in his/her name. Then after then receive title they convey title over to you. This is possible. Is this a taxable event? Possibly. You need to talk to an accountant about that. Again, you work out the payment details with your relative.
These seem to be the two choices. This is all independent of the challenges you have about researching the home you want to buy.
