Agents say I can't help them, What do You say?

[Jerome Harrod II]

Hey guys/gals, I got a rather difficult situation with a Seller that I need more than my brain on. Now I'm a Real Estate Agent (4 months Old), I don't have broker permission to Invest creatively, but I feel a creative solution is the only see for this else these people are homeless. 

If you could look at this from Investor eyes as a type of deal, ? Maybe I can translate it to Agent side of things and help these people.

The Rundown Seller Side:

• Seller bought house $196,000 in 2006. 5 Beds 2 bath 2700 sqft.
• Got Notice of Foreclosure, June 2015 
• Seller Filed Bankruptcy Chapter 7 to stall foreclosure auction, August 2015.
• House Appraised at $100,000 in Current Baltimore,MD Market 2015
• Sellers Current Mortgage Balance $150,000 , Behind in payments $30,000
• House needs at least $40,000, if not more, in Repairs and Updates

If you got this as a Seller lead, How would you handle this?

The Rundown Buyer Side:

• Seller is interested in Rent-To-Own, will have $3,000 total in January to put towards down payment and says they can afford 1,800 a month.
• Seller filed Bankruptcy Chapter 7 and is fending off Foreclosure.

If you got this as a Buyer lead, How would you handle this?