Subject To with Equity

[Patrick Churchill]

I am looking to acquire a property in which the owner already has 100k equity and wants the 100k at the transaction in order to "remove" their equity and move on to their next property. Naturally, I do not have 100k just lying around. What is the best way to go about this issue? Should I ask them to refinance and then go through with the transaction? Should I try to take over payments until the mortgage is paid off and then seller finance the rest? Should I try to create the 100k, make the transaction, and try to refinance? Thanks!