Buying property in a trust from the surviving family members

[Trent V.]

Ok bit of a complex one here for me. I am listed in a trust as a beneficiary of a house with rental potential. I only have a 1/3 right to it. I would like to evaluate it but I’m having some trouble.

Current zestimate 370,000. House needs work I’m thinking that’s high and I have heard the margin of error on Zillow is plus or minus 7%. Let’s say house is worth 350,000. 
 

Current loan. 196,000 @ 2.25% 

The trust has 25,000 in credit card debt. The only asset remaining in the trust is the house. 

221,000 in liabilities. 

10,000~15,000 in repairs. 

2000-2200 a month rental income. 

What would be the best way to come up with the difference. Approx 97,000. I have thought about offering payments to the other siblings. Basically a balloon at 5 years with the 97000 amatorized over 30. Only other option I can think of is hunting for a hard money lender? 

Also how do I analyze this property to see if it’s going to cashflow. I’m having trouble accounting for that other 97k. 

Where is some good info on subject to. I know it’s a thing but know virtually nothing about it. 

Also I’ve seen quite a few posts on subject to loans in a trust. I’m assuming it won’t trigger the bank wanting full payment because I’m listed as a beneficiary. 

Any advice on any of this would be much appreciated.