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It’s not the renters fault in the second house. They are (presumeably) paying the rent and the owner is the one not paying the bills.
In both cases the residents of the homes have permission to be in the homes.
Should the bank forclose on both properties. Probably. Is it the renters fault, especially if they’ve been paying their rent. No.
Be angry at the owners and the banks. Don’t accuse renters of being squatters.