The owner needs to offer the property for the cancellation of debt, the lender cannot require it! 

which in that case, unfortunately i can not sell to an investor because the investor would not make enough profit because i can't accept the deal they are able to offer when i have to pay a realtor  $7000 as well the offers i recieved, i could have accepted, if there was no realtor involved, this is what made me think that it would be better just to be able to find an investor outright on my own.

Would I want to offer her to do a lease/purchase deal with her, and I rent her house out to someone else for profit while she keeps it in her name as I have no money down.

Investors can pay 80% and perhaps a little more and still make money.I've started generating leads from PropertyRadar.com and don't use % to determine what price to offer. 

@SHAW ALI  along with it would take a VERY unseasoned or un educated Note investor to offer you anything reasonable for this note.. 

Just to offer a different perspective, its not unusual in other markets for professionals to not have a lot of skin in the game and the reasons for this vary:1) They are good at going the on the ground stuff but bad at raising money.

Jeff-#1 & #2 are pretty typical for builders to offer new homes here in Atlanta.#3 is also pretty typical and I would recommend as a CYA.2-10 Warranty is who we use for all our new builds and it is based on the value of the home.

Looking to when you sell eventually, would you be able to offer seller financing to remove that obstacle for the next buyer?  

Too many questions to be able to offer too much advice.

Obviously, they would probably at least try to offer more support for a new agent than the discount places.