Wholesaling house by selling to the current tenant

[Jason Carter]

I have a house I'm negotiating with the owner and just visited it today. The tenant showed me the house without the owner present. She and the owner do not like each other and are not communicating. The tenant expressed a desire to buy the house at a number higher than I'm talking with the owner. She wants to buy w/traditional financing though. 

What's the best way to structure this? I'd rather owner didn't know tenant is buying from me. Since tenant is buying w/traditional financing and not cash, do I have to buy it first and then sell it to her? Or is it possible to sell the contract to a buyer who is using traditional financing?