Help Structuring a Offer "Subject to existing mortgage"

[Ulises Ramirez]

Hi everyone I'm just starting my journey & need some guidance. I placed some signs out & received a call from a seller. They are behind $24,000 on their mortgage. They need to sell because they need to relocate. I understand there is no way I can wholesale this property however maybe I can get it under contract "Subject to the existing mortgage" & assign it to someone. For 10% down. I was thinking of reaching out to local agents who might have a buyer who couldn't qualify for financing. The 10% will take care of the default amount. Thoughts? Any one in So Cal area around San Bernardino? Thanks in advance.