@Cara Lonsdale this is immensely helpful!

So make friends.Offer to give the seller a pay-off bonus if you sell the property before the mortgage is due - offer a 10% bonus.Make the seller your partner (known as an Hybrid offer) offer to clean up the building - he gives you the deed and you split the profit in the future.Ask the seller to refinance - you take over the mortgage (subject to)  - he gets the cash and you get the building for nothing down.Offer to give him something he wants - a car - a truck - a plan ticket - those items are easy to financing - seller gets a truck and you get the house and the payments on the truck.Offer seller additional collateral - another house you have, or your mothers house - offer a co-signer.Appeal to the seller - I am new help me - I have good credit - I am trying to get started ---- I have a cosigner. 

@Cara Lonsdale Absolutely!

@Cara Lonsdale Thanks, Cara! 

You could buy one car (a very nice car) with the cash you get from the sale of the property, or you could use the cash flow to finance or lease a new car every few years for the rest of your life.  

@Cara Lonsdale; I believe you're missing half the equation  in your example.

Thanks @Cara Lonsdale ! 

@Anthony Thompson @Cara LonsdaleThank you for the detailed feedback! 

If by phone make sure to leave a voice mail since I'm in the car a lot driving.

@Cara Lonsdale - I think your way of thinking is a lot more along the lines of what I have experienced in the past@Tom Parris - I never thought she was doing anything wrong, and have been happy with the service thus far, I think I am just more used to a bit more direction, but I appreciate your feedback, and totally hear what you are saying.