Haha I am a stalker.    I thick face go ask around about the owner and see what the damage. Yes he cant afford to pay his loan and also the family have been broken up. 1 father (staying where i bought) 1 mother(no idea stay where) 1 son(stay with girlfriend) 1 daughter(staying with grandma mother side) all not staying together.

I really did a detail checking with bank, management and DBKL to see if is worth buying. Even after everything, adding up it is still 50% below market value that is why i decided to go for it.

I also did check how the owner is like.For example if i buy that property will he come back and make life miserable for me.    He is the most hated person of the apartment . Was actually a deal breaker for me but I got "assurance" from lawyer and management that he wont be able to come back.

But end of the day he just uproot and left with all his belongings(computer,handphone ,dirty underwear ,etc ) in the house after a long court battle(with him not showing up but still staying there). Dont mention the field day of cleaning the house. I make contact with the wife and wife mother. I sent some important things(birth cert/divorce cert/etc) and requested item back to them with my own expenses and I also invited the son to come to take a look at the item that he wants back. The rest of the stuff either sold off or thrown/donate(using alam sekitar people and Apartment maid) did i mention the police that help me to break in the house took some stuff back without telling me    The police took the computer,psp,tv(the crt kind) and some other small nig nags  .

anyway it took 4 long painful years from buying to renovation but now that is 99% finish renovation and only carpentry work is left    Im so happy.

I might consider opening a thread here