It may also make it's way to a settlement agent at a title company or to the seller's attorney.

In the late 90's early 2000s I used to buy properties that only cash flow 50$/month but it did not cost me a dime to put down and in cases when i borrowed my buyer agent realtor's commission on a 60 month zero interest and used it as closing cost,   i walked a way from settlement with it little bit of extra cash.    

You can have two simultaneous settlements.

Also you can call around until you find a realtor (buyer's agent) who will lend you his/her commission on a note for say 60 months, this way you can use the commission to towards settlement expenses.make sure: you are persistent, (toke me about 19 phone call to find a realtor like that) most of them laughed at my question) and make sure you have enough rent to cover these monthly payments in a form of positive cash flow! 

I came into some cash 3 years ago in a settlement and bought 40k homes in Ohio and seller financed them out.

Also you can make settlements with the companies that you owe.

I have been in the hack job flips way too many times either to do a last minute repair before settlement, or just with local reia meetings.  

By asking if you can wholesale it says you want to pass a contract for a fee, if your intentions are something else, you can say so as you really wouldn't be wholesaling if you are simply assisting her (which, IMO, is where your duty should be).You said she had no equity, but worth 90 minus 15 is 75 and her mortgage is 70, that's 5 k in equity, settlement costs will eat that but she has equity.How did you get your rehab costs, what is really needed, I could do a modest kitchen rehab, change out all the flooring, interior paint, and do some outside work for less than 15K.

Stick with a HUD-1, it works for a small commercial settlement.

If you have an Actual Cash Value policy (ACV for short), the receipts will help determine the appropriate amount of depreciation that they subtract from a claims settlement.