Real Estate Law
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If the HOA has a duty to make the repairs, and hasn't done so, then the property owner would have a right to sue the HOA for breaching the HOA contract/bylaws......and the owner could also sue for the lost rental income.
That said, none of this affects the owner's obligation to pay the mortgage. Regardless of what is going on between the owner and HOA, the duty to pay the mortgage doesn't go away. So, if the owner lets the property be foreclosed, then the property will be lost.