Subject to or wholesale deal???

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Hello BP family,

I came across an interesting deal. I found a house that has people who are behind on mortgage and in pre foreclosure. The owner cannot pay due to having a stroke and wants to sell or have someone take over payments .The home is assessed by the city for 88k. The back mortgage is 13k and the PITI payment is 532 per month . From talking to the owner she states the home is not in bad condition at all.

How should I go out executing this deal properly,

Would it make sense to wholesale it? or to subject to the property myself, borrow funds to repair and back pay then lease option property? Is this a deal, you answers are greatly appreciated.