All the creators minds out there - how to structure this deal

[Haim Mamane Palman]

Just got a call from a motivated who received one of my yellow letters.

Background: Seller just got divorced and motivated to sell.

The numbers: ARV 60-65k, house will rent for $800-$900, estimated repairs 6-8k. My target price 30-35k (wholesale is the exit strategy but buy & hold might work as well) mortgage balance 39k, monthly mortgage payments $576 (15 year fixed loan to mature on 2026)

The challenges: Husband hold title to the property, mortgage under the name of the wife. loan balance is higher that my target price but not by much.

what is the best way to structure this deal? subject-to? lease option?

Any help/suggestions would be much appreciated, i'm sure there is a way to make it a win-win situation