Onsite Substitute Trustees' Sale. November 20th, 2024 @ 11:00 AM THERE IS NO ONLINE BIDDING FOR THIS AUCTION. BIDDERS MUST HAVE THE ADVERTISED DEPOSIT ON-SITE IN THE FORM OF CERTIFIED FUNDS. NO ACCESS PRIOR TO THE AUCTION. Under and by virtue of the power of sale contained in that certain Purchase Money Deed of Trust and Assignment of Leases and Rents executed by Financial Freedom Investments LLC and dated August 28, 2020, and recorded among the Land Records of Baltimore City, Maryland, at Liber 23511, folio 140 (the Deed of Trust), the holder of the indebtedness secured by the Deed of Trust (the Noteholder) having subsequently appointed Hunter C. Piel and Scott B. Wheat (collectively, the Substitute Trustees) as Substitute Trustees by instrument duly executed, acknowledged and recorded among the Land Records of Baltimore City, Maryland for the purposes therein contained, default having occurred under the terms of the Deed of Trust, the Substitute Trustees will offer for sale at public auction to the highest qualified bidder at the subject premises, 3509 Lynchester Road, Baltimore, Maryland 21215, on: Wednesday, November 20, 2024 at 11:00 a.m. ALL OF THAT real property being situate in Baltimore City, Maryland, and the improvements thereon (collectively, the Property), in fee simple, being more particularly described in the Deed of Trust, and generally known 3509 Lynchester Road, Baltimore, Maryland 21215. TERMS OF SALE: A deposit in the amount of Seven Thousand Dollars ($7,000.00), payable in cash, certified check, or other form acceptable to the Substitute Trustees, in their sole and absolute discretion, will be required of the purchaser(s) at the time and place of sale. The deposit must be increased to 10% of the purchase price within two (2) business days, and delivered to the office of the Auctioneer in the same form as the initial deposit. The balance of the purchase price shall be due in cash or by certified check with interest on the unpaid balance of the purchase price at the rate of ten percent (10%) per annum from the date of sale to and including the date of settlement. In the event the Noteholder, or an affiliate thereof, is the successful bidder at the sale, such party will not be required to make a deposit or to pay interest on the unpaid purchase money. Taxes, water charges, ground rent, if any, and all other municipal charges and liens owed against the Property shall be the sole responsibility of the purchaser(s) and shall be paid for by the purchaser(s) at settlement. In addition, all other charges, expenses and liens owed against the Property including, but not limited to, all condominium fees and expenses and public charges and assessments owed against the Property and payable on an annual basis, such as sanitary and/or metropolitan district charges, if any, shall also be the responsibility of the purchaser(s) and shall be paid by the purchaser(s) at settlement. The Substitute Trustees reserve the right to reject any and all bids, and to extend the time for settlement, if applicable. In the event taxes or other municipal charges owing on or with respect to the Property have been prepaid they shall be adjusted at settlement between the Substitute Trustees and the purchaser(s) to the date of the foreclosure sale. The Property will be sold in an "AS IS" condition and without any warranties or representations, either express or implied, as to the nature, condition or description of the improvements. In addition, the Property will also be sold subject to all existing housing, building and zoning code violations, subject to all critical area and wetland violations, subject to all environmental problems and violations which may exist on or with respect to the Property, and subject to all matters and restrictions of record affecting the same, if any. The purchaser(s) at the foreclosure sale shall assume the risk of loss for the above-referenced Property immediately after