Trustee sales


I have been looking at trustee sales online and in the paper. I’m looking for desirable properties in my area (Washington, DC) and am wondering about inquiry and the bidding process. I have looked at the ad’s, driven around to see them. I am just wondering if it is possible to approach the owner and buy him out before the auction? Also are the trustee ads in the paper the same as what you would find by going to a courthouse and looking at recent Lis Pendens or NOD file listings?

Also say a house is priced at 190,000 in a trustee sale ad in the paper. The ad says to bring 10% of that to the auction, then within 10 days to pay the rest. Do they require the entire lump sum amount within 10 days or can you mortage it over time? Thanks