Nadya Suleman is days away from being homeless ... the house she owns that has been in and out of foreclosure for more than a year will be sold at an auction Thursday ... so Octo needs a new crib for her brood ... stat.
The dilemma -- getting first and last month's rent together, so Octo has gone naked. She posed for the European magazine, "Closer."
Sources tell TMZ ... Octo got $10,000 for the shoot, which is what she needs to rent a new place.
Octo is being very up front now about some misgivings about having 14 kids, saying, "I'm doing that (posing nude) because I need to feed my kids. I need to pay the bills. And I'm still very cognizant of the repercussions of my choices."
It's not the first time Octo has been offered cash for skin ... porn giant Vivid Entertainment offered Suleman a $1,000,000 contract back in 2009 ... which she rejected.