First possible distressed home purchase

[Steven G.]

So today I went and looked at a property in ct. The homeowner is separating from partner and owns the house solo she lost her job and will loose the house no matter what. It is A 3 bedroom 1&1/2 bath ranch. The homeowner bought it for 160k in 2012. She currently owes 145k. Comps in the area are 180-200 average(with updates). The work needed is tile in kitchen, new cab,counter tops, both bathrooms need to be gutted. Rugs in bedrooms windows are older. The good: house has updated electrical, siding, plumbing appears newer, new roof in 2011, updated furnace parts(not new) hardwood floors in all areas minus the bedrooms. Large basement unfinished. I think the house is worth less than the 145 owed can I get it appraised and offer the bank less to purchase the mortgage from them? Is there enough room in there at 145 for the flip to be worth it? Please advise it is ver much appreciated.