auction.com bank owned, use hard money, but Fl county site no?

[Matt Berklacy]

would you say from your experience with online auctions, and educating me as newbie to auctions, would this make sense:

Q. is it safe to participate in Auction.com Bank owned properties with hard money because there is a longer period of time to close.  (hard money lenders need at least 5 days).

As opposed to Auction.com forclosures which default to county website, and Fl county website needs full funding by like 12noon the next day.. 

(impossible for hard money)

 Q.(one other question, is it safe to say bank owned must provide clear title for closing, as opposed to county websites forclosures where they are not title ready and need title search before participating

Thank you