Subto help, can I own with seller?

[Oliver Hart]

Good evening Team, I'm 2.5 weeks deep into my REI career. I've been D4D and have a huge book of addresses and leads coming in. I have found a subto lead, that has $190,000 loan, they said the house has been assessed at $265000, but needs 10-$15000 rehab and paint, (I'm viewing it tomorrow.) I'm building a relationship with the sellers and finding out they've had bad experiences with realtors and construction workers trying to take advantage of the fact they are out of state. Does any know if I can take over a deferred mortgage? Another idea I've had (I don't know if this is a logically/feasible idea). If I can't take over the deferred mortgage can I take over the mortgage moving forward in a way where I continue the mortgage payments, rehab the property then sell and give them the 190, and keep the profit. I also didn't know if that would help not pay so much tax on the flip as I wouldn't be the sole owner? I know this is a lot, I really appreciate any help, advice, info.