She has helped me win on multiple offer without being highest and best (there is more to this game than just money).

Then you must do a couple other things to ultimately win the game.  

She got plenty of business, as we only did it with extra furniture (so any money was a bonus versus having to pay storage fees) and because my wife also has her real estate license, she could offer full-service listing and staging.We only did this for a few select investors who we had a great relationship with, but it was a win/win all around...

The more you insure for, the more they win.

Answer - Don't use this one.Recast the loan adding the repair total to the loan amount so it looks as follows:Loan Amount:  $15,460 (rounded up)Rate: 8.0%Am/Term: Plus 12 months (60 months for this loan again)P&I Pay: $314LTV: 77% (at $20k ARV - 62% at $25k)So, with the right kind of creativity, you can 'actually' create a real win-win and not just talk about it.  

I never ask any absurd numbers, my goal is to make a winning solution for both parties.

Price wins over thickness when installed.  

Win win for every one!

Being unconditional, if buyers need to secure financing they need to do this before the court date as well as any other appropriate due diligence.Where there are more than one party making offers on court day, each party is made aware and has the opportunity to change the offer which is then sealed and submitted with all other offers to the Master or Judge who then decides the winning bid.Having been through this process numerous times I can tell you that while there are deals to be had they quickly evaporate with multiple bidders and it is impossible to know if you'll have any competition until the day of court so the whole process can be a bit hit and miss but exciting none the less!

IMO all you really need to do is sell her on you're here to help her get out of this terrible situation she is in and you have a win win scenario for her.