We utilized the down payment program and use our own money to fix it up.

It is very easy to save money working in public accounting.I forgot what my dinner allowance was working at the big four 5 years ago in a major city(I think it was like $20?)

"Putyour money where your mouth is."

I only plan to manage these two from out of state until we're able to refinance our second home as we're losing money on this particular house for rent as we bought this home last year. 

Seller financing, private money, and subject-to deals can open up opportunities that others might pass on.🔹 Maximizing Value – A distressed property isn’t just about fixing what’s broken; it’s about repositioning it for the best possible return.

Cash and Hard money How did you add value to the deal?

By donating the owner will have the money they want.

Quote from @Chris Pontello: Hi Chris,Correct me if I'm wrong as I'm still learning creative financing solutions, but paying them some money would be if I could take over the loan.

Your time is worth money, it's time that guests aren't renting your house. 

What you’re suggesting is not cash flow, it’s return of principle, giving her her own money back  If she sells with your deal.