Creative offer question

[Raj Vajir]

Hello,

I have been working with the seller's agent and he is indicating that they are highly motivated to sell.  The sellers moved to another city and need to  get this off their hands.  I need help trying to figure out what other options I have instead of increasing the offer.

Asking: Initially $125 > $109 current

Offer: $90k

Manufacture home, 4/2 built in 2010 on 1/2 acre, small town with no rentals homes available.

Rent: $800-$1000

Tax Appraisal: $102k

According to seller's Agent - Owner Owes: ~ $90K, and needs to pay him still.  Does it make sense to bump to $95k, what they're willing to sell so they don't have to write any checks, which would put me at close to $100k after closing. 

Options for me: have bank convert loan to my name if rates are good and avoid paying appraisal and any other costs I can bypass.  

I can't think of any solutions to resolve seller's issue without me having to put more money in.  I don't know how manufactured homes fair over time, so I feel a little risk.