A new report from a consumer group shows that some elderly and other vulnerable homeowners are losing their homes because they owe as little as $400 in back taxes.  Local governments can seize and sell a home if the owner falls behind on property taxes and fees.  Bend financial advisor Troy Reinhart says there is probably more fear than substance to this report.  “If you are truly in poverty there are safety nets out there for you- if you are just a deadbeat, you may lose your house."  For example; one safety net program in Oregon allows elderly people to stay in their homes and defer the property taxes until their home is sold when they pass away.  Reinhart also says that Deschutes County doesn't go after people until they are at least 2 years behind on taxes and owe a lot of money.