Help! I need your Creative Finance ideas!

[Christine Dente]

My elderly and infirm friend wants to live out her days in her home. Problem: she can't afford the round-the-clock care. I wonder if there's a way I can buy her home so she can live out her remaining years in it, and make it worth it for both of us. Some info: she has a 4% mortgage with $90,000 or so on the note but the house is worth $450,000. A Subject To relieves her of taxes, insurance, and the mthly payment. But she'll also need me paying her cash to afford the in-home care. Seller-financed means I have to come up with cash to pay off the mortgage. What would you do?