CREATIVE FINANCING SOS!!!

[Miles Presha]

This is the 2nd time I'm asking for help so I will re-word and be brief as I've yet to get a satisfactory answer.....

A hypothetical situation:

Joe currently lives in a house on a lease option to purchase.  Joe has a tax lien for 90K which is preventing him from getting a traditional loan/financing.

The house Joe lives in is paid off, but the seller has a lien on the house from his mother's nursing home.  The seller is willing to give Joe seller financing on the house, but is concerned about how to pay off his own lien.

What can Joe do? His lease-option price is 275K, and with proper upgrades the house will be worth more than 600K ARV.

How can this be worked out????

Thanks!