Subject-To Madness, Not Sure of Options

[Kyle Russell]

Hey BP, question for you. I bought a house that was a subject to deal. The owner still had an active mortgage on the property which I have been paying since taking ownership. My issue is the previous owner just contacted me and let me know that she was going to file bankruptcy. I know that the bank most likely will not allow me to assume the loan since my cash reserves are low and I don't show very much income. This property is in Indiana. I am not aware of any DSCR lenders in the area. There is a ton of equity in the property, Value is around $180k, mortgage balance is $70k. Any ideas on how to proceed? Thanks