Approaching seller offering "assumable loan"?!

[Maria Matthew]

Hello all, newbie investor here looking to get my second property and would LOVE your advice! 

I saw a listing and in the description the sellers are offering an assumable loan, and I would love to know the best way to approach them! 

I have a sister in law who is an agent who could help with the convo, but she isn't an investor herself. 

I'm curious is they're in distress, and why they're offering that option, and how to make it a win win for everyone. 

Should I find their phone number somewhere? Send them a letter? Drop by with flowers?! 

Thanks for your support in advance! 

[Maria Matthew]

Ok this is SO HELPFUL Mike thank you! It's listed through Zillow, but I think they list an agent on Zillow. I guess I've heard that people that are in distress might be more open to getting creative. Is there a way to contact the owner through zillow?