creative finance

[Everett Marshall]

I have a property owner that has put 180k into remodeling her home and the house is still only worth 100k. She is willing to do a owner finance but her terms are not what I have read about.  She wants 50% up front, 25% in 30 days and 25% in 30 days after that. I'm not sure how to make this work for me. How should I go about making this work? 

Oh BTW I locked her other house up for 29,000 and it already has  a tenant in it paying 500 a month.  I'm asking 38,500 for it.