Deal?

[Jonathan Emery]

Found 4 unit in PA

Owner live in CA and wants to retire

wants to sell for $245,000 without getting my comps yet I think it is worth around $190,000. Not sure where seller got the number from.

owes $180,000

mortgage payment $1,135 PITI

gross rent per month $2,900

willing to hold mortgage in their name. open to down payment terms if needed

Want property for a buy and hold. I remember hearing about not doing a subject-to long term. I don't know why. So what would be my best option to potentially take over a property like this for holding it ? MLO?