Again, I can give you an option, then sell the property subject to that option.

Any financing arrangement with any person who occupies a property as their residence is a consumer and such contracts are subject to financing restrictions under Dodd Frank.

It might just be my feeling on the subject but I tend to think most people do their own basements based on labor and all the costs of doing it legally.  

Reading your profile and given that your company bills itself as an "asset management" company, it seems like you would be the one offering advice on this subject.

I was wondering if you can do a subject to deal in Canada?

Hello everyone I'm looking at a prospective house ARV 100K, owner just refinanced the property with a 10 year fixed mortgage, she is paying 950 which includes, everything. The house can easily rent for 1200.

House n...

When debt financing a property with your IRA, the profits derived will be subject to tax after all depreciations and expenses.

This is somewhat subjective. 

Seller will consider a subject to agreement and wants only for the property to stop hurting their credit, because she is three months behind on payments.

Once you've worked up a repair estimate and gone through your numbers I would call them back for another face-to-face meeting to make your offer (I prefer back at the subject property...it's full of reminders of why they want to sell).