Motivated seller, how to structure this subject to deal?

[Eve W.]

I have a motivated seller which I need help to structure the deal. Her husband who is the main bread provider passed away in May and she has been struggling to keep up with the house payment.

The house was built in 2000 and they are the first owner.

House 2013 tax access value $103K, she owns 75K, 13 more years left. Monthly payment is $1134 including mortgage, tax and insurances.

House is in good condition, needs new carpet, and some paint. Power wash outside.

The neighborhood is a blue collar neighborhood, her house is worth between $80-$90K according to the recent comps.

The house can be rented for around $1250.

She had an investor offered to take over $75K mortgage and pay her $10K cash. She rejected because she wants at least $15K cash. That was a month ago. She may reconsider that offer, but she wants to see what I have to offer.

How can I structure this deal so it can be beneficial to both of us?

I am thinking market to the end buyer to take over the payment of $75K with $20K down and I get $5K out of it. Is this workable? I am not sure how exactly this owner financing work. Should the buyer continue to pay or the buyer needs to get their own finance 3-5 years later?

My thoughts maybe too naive, not realistic, please bear with me.