owner carry and subject to's

[Account Closed]

Hi,
Quick question, if the owner will carry all or part of the financing or sell the house subject to the current loan, as a wholesaler are you willing to offer more. From my understanding, a general guidline is to offer 70% of arv, - repairs - my assignment fee.
But this is based on hard money lenders only lending 70% and also because of the holding costs. If the owner carries or sells subject to, thy buyer might not need hard money and the holding costs could be substantially less. So what do you offer?
Thanks in advance