The home has been unoccupied for two years and was owned by an ailing widow.

Plus the commissions are almost always far higher than you earn by buying a home from a widow and flipping it.

How can I go about making an offer to the widow that is fair?

She is an older widow and generally very nice person.

The entire business of wholesaling requires misdirection, pursuing people who are struggling in life, pursuing widows with recent deaths in the family, and trying to rip people off and get properties very cheap etc.

I found his widow, who, at 92, was living in another county with one of her children. 

As the old sayin goeth: 'Is there any help for the widow's son?'

My Mother is on social security only and makes $1500 a month living as a widow with no other debt but I can't imagine the would qualify her for a 220k mortgage because in reality there is no way she could pay that.

This goes for widows who just lost their husband, a house fire, a tree fell through the roof and other extreme situations.

As my husband is never mentioned or talked about despite the volume of business we do (they did a gut job for us in March/April), he assumed I was some 75 year old widow who inherited my husband's properties.