Folks are basically trying to guve me a duplex, help!

[Andrew Jackson]

Hello! I was approached by a local business owner of a Chinese buffet; who also happens to own a duplex which she and her family members live in. She told me she would like to sell me her duplex which she owns outright for 95k. I said that's great, I'd love to buy it, however I don't have the money to put down on the house to go through the bank (I really don't) how would you feel about seller financing and then we could refinance through the bank in 1 year. Due to a language barrier, she had a difficult time understanding how seller financing would work. I even spoke with her sister and other relatives to help break the language barrier, but nonetheless they didn't understand. Instead of trying to understand seller financing, she said, "what if my husband and I give you the money to put down for the house and you let us continue living at the house rent free for 1 year." I agreed again, but when I took this idea to the bank they shut me down and said it was a gift and the bank doesn't work with gifts... They told me The reason they want to sell so bad is because of how the property impacts their taxes... again the language barrier makes it difficult to understand, but it seems like a great deal to not pursue further. These people are basically trying to give me the property and I can't figure out how to obtain it. Does anyone have any advice on how I could get the bank on my side, or any other paths that can help me get this duplex? Thank you!