If your goal is assume a loan, I would offer the lender some sort of compensation as they are generally only paid if they write your loan, which is not the case with an assumable loan, as the current servicer will be underwriting and providing the new loan.  

A refinance that only pays off the existing balance (plus any costs) is considered a rate and term refinance and should offer lower mortgage rates and costs due to simplicity.

I've bought numerous properties with none of my own money - but you have to work to find these deals and make a lot of offers, and hear a lot of no's.

I offer an easy-out agreement to the owner, but don't want to lose out on monthly fees for longer stays. 

I attempted to ask to defer payments until it is rented but the seller will only offer interest only payment at 7%. 

With [number of bedrooms] bedrooms and [number of bathrooms] bathrooms, this home offers ample space for you and your family.Property Overview:Location: [City, State]Monthly Rent: [Enter the desired monthly rent]Available From: [Enter the date when the property will be available for rent]Key Features:Bedrooms: [Enter the number of bedrooms]Bathrooms: [Enter the number of bathrooms]Square Footage: [Enter the total square footage of the property]Parking: [Enter the availability of parking spaces (e.g., garage, driveway, or street parking)]Laundry: [Enter the laundry facilities available (e.g., in-unit washer and dryer or shared laundry room)]Appliances: [Specify the appliances included (e.g., refrigerator, stove, dishwasher, microwave)]Utilities: [Indicate whether utilities are included or not]Pet-Friendly: [Specify whether pets are allowed or not]Outdoor Space: [Describe any outdoor amenities like a backyard, patio, or garden]Additional Features: [Mention any additional features like hardwood floors, fireplace, or walk-in closets]Property Highlights:Spacious and well-lit interior with [describe any notable architectural details or design elements]Open concept living and dining area, ideal for entertaining guestsFully equipped kitchen with modern appliances and ample cabinet spaceRelaxing master suite with a private bathroom and [mention any unique features][Add any other notable highlights or selling points of the property]Location and Neighborhood:Situated in the heart of [City, State], our home is conveniently located near [mention nearby amenities such as schools, parks, shopping centers, and public transportation options].

What I did on appliances, I wouldn't supply them but I let them know I had an affiliate vendor who DID offer a "Rent To Own" on appliances for any tenant's I/we had.   

I had 10x fewer headaches but no more rent in my pocket.Based on what I have seen with deals being offered in the multifamily space (5+) units.

Being appraisers, we are familiar with estimating "cost to cure" of deficiencies, and we know useful life of short lived items so we can build seller credits into our offers that will help mitigate monthly costs to us for reserves.We are going to take it slow and steady, as I said, with an eye on returns that may not be spectacular but still rival the stock market in a sector of the economy we know well.Thanks for the encouragement @Dave Meyer!!

(When I was in my 20's - I am now 77 years old, I did a ton of equity based foreclosures.) 6. offer to partner with the sale and liquidation of the property for a fee or equity position.Understand that as a foreclosure buyer - you need to first try to solve the owners problem  by giving suggestions to him - how can you help him, what suggestions can you give that will help him out.