Quitclaim/Existing Mortgage Question

[Cavelle Martin]

Hello. My spouse and I currently rent a home from an acquaintance who no longer cares to deal with the stress of a place that needs constant work and is the byproduct of a breakup. In other words, this place is a total thorn in her side and she's stuck with it. She is currently using our rent to cover the cost of an existing mortgage on the home. My spouse and I don't qualify for home ownership via traditional means however we have paid our rent on time (in many cases early) for a year now. We would love to fix the place up and make it a true home.Talks of taking the property off her hands via a quitclaim have come up and we would even be willing to assume the remaining mortgage. I know lenders don't typically care for the idea especially if a "due on sale" clause is in place but in this case, since we have proven financial consistency via prompt rent payments for a year already, is it possible for the lender to consider this a form of financial credibility?