How To Structure this Deal

[Robert Orth]

I've got a del I need help structuring. There's a seller who bought a house owner-financed and is now being foreclosed on 2 months later due to some issues and not doing proper due-diligence. I'm planning on buying a holding this property as a rental. I've spoken with the owner-finance lender and she is willing to entertain changing the terms of the mortgage if we take possession of the house. Should I make this offer a subject-to offer and then file a release of lien to get the seller off of the lien and file another lien for the new terms I will be under? I had someone mention a deed of trust transfer but wasn't sure that would completely release the seller from any responsibility or right to ownership. Any opinions would be helpful.