You can stay until the new owner (the bank or hedge fund or SD REaltor or whomever) comes knocking.
At that point, you will probably be offered cash for keys.
If it is an investor, you may be able to stay on as a tenant (as my neighbor did).
Ask an agent to look up the expected sale date or go to county records or go to the website referenced on the notices to find out when the most current expected foreclosure date is scheduled.
The notices get amended all the time so the date on there is probably fiction.
After the new trustee’s deed has recorded and the property has changed ownership, you can still hang out until the new owner comes knocking.
If you come home and there is a notice from the new owner, confirm the change of ownership by dropping by 1600 Pacific Hwy near downtown.
If it has actually changed hands (sometimes the banks accidentally boot people without actually taking ownership) then call whatever number is on the notice the new owner (or their agent or attorney) has taped on your door.
Get an email or fax number and conduct all negotiations for possession in writing. I need to stress that point.
If they call, ask them to email you.
If they show up at your door, tell them to bring a cop next time and shut the door.
If it turns out that they have taken the property and initiated eviction, and there is a sheriff at the door, then for fuck’s sake cooperate (they have guns and evictions make them super jumpy).
Don’t let it get to that point because that often means showing up to find your belongings in the driveway or on the lawn.
However, assuming you are still in possession (and thus in a position to negotiate) then cash equal to 2 months market rent is a good final number.
