Deal Structure Opinions

[Justin Holley]

I would like to get the BP community's opinion on what to offer and how to structure a deal for the following:

~Divorcee

~Loan is her husband's name and he is pushing hard to get the mortgage out of his name.

~She is is up to date on payments on the mortgage, because she is using her credit cards for everything else and she is calling behind on those payments.

~She was ordered by the court to refi the mortgage into her name, but cannot get approved.

~ARV is 180k-190k

~Real Estate Agent wants to buy an option to purchase it in September 2020 if I purchase it

~Amount outstanding on the loan is 100k

~Current payment 850 (principal, taxes, ins)

My first idea is to purchase it subject to....

My second is to short close and paycash of 110-120k