Financing options in the middle of divorce

[Morgan Morris]

First, I appreciate whatever input I can get, I've found about a dozen great ways to finance that I won't be able to use so far, but I know there's a way to make this happen!

As stated in the title, I'm going through a divorce. NC law requires a year of separation before divorce paperwork can be filed, so I have another 11 months before that happens. We've split our assets except for our house, which will be listed in June (other similar houses in our area have been bought above asking price within weeks of being listed). We expect to net about $200k from the sale, so roughly $100k to each of us. I have $50k in savings, and about $70k in TSP since I'm active duty military.

I found a SFH that was converted into 3 units, that also has a guest cottage, so 4 units total. The guest cottage and one unit are currently occupied, with rent well below market value ($300 and $535 respectively). My realtor says fair market value for these units after they're fixed up will be: cottage--$900; main unit--$1500; unit 2--$800; unit 3--$700. The owner currently lives on the main floor, which has 3 bedrooms. I've spent some time with her to figure out what she wants/needs out of the deal. She has it listed at $295k, can't do owner financing, and says she has to get at least $250k out of the house. She wants to just be done with the place, she can't afford to do any real upkeep, and there are a number of things that need repaired/replaced, all of which are things I have done to previous houses and I'm comfortable with. My intention would be to live in the main unit and fix it up over the course of the next year. After that, whatever unit is unoccupied will receive an upgrade and then be rented out. Contractor says it'll be roughly $70k for his crew to do all the work, but I'll be doing a lot of it myself. ARV should be in the $430-460k range.

My problem right now is financing. My ex has so far refused to sign any paperwork that would keep her name off of the title or loan. I've talked to a number of banks, but unless I get her to sign paperwork waiving her right to be on the title, I can't get a conventional loan until the divorce paperwork is complete. I could get a private loan, but I would be wasting a ton of money just waiting for the divorce to be finalized. And it's not like my divorce gets finalized after 1 year, that's just when I can file. So I'd have at least $30,000 out the window if I went the private money route, only because I'd have to wait so long to refinance. TSP loans require spousal release as well, so that option is unfortunately moot as well.

So right now I have $50k for repairs, and not much else it seems.  Talking to my realtor, it seems like most people are turned off by the listing price and the state of the house.  But literally no one else has ever stopped by with coffee to just chat with the owner to find out the ground truth, and the repairs/upgrades needed are mostly aesthetic.  

How do I finance this house and make this deal happen?  Again, I appreciate your help and whatever direction you can give me!