Go through the numbers with her in a non-emotional manner.

Of course this would just be temporary, I don't plan on making this a long term residence for myself, but I figured this way is the easiest and saves myself money so I can save and make my next purchase.

It is one thing to have late payments on their credit, but a foreclosure will stick for a long time and is harder to bounce back from, emotionally as well as financially. 

This is temporary and I will make sure of that.

I am constantly studying my market and thinking of how I can best leverage my investor dollars efficiently to start my investment career thus leveraging my second purchase (my temporary home).  

I essentially need a bridge loan or a temporary POF to hold me over for one week.  

You want to be unattached to their situation/emotions.

I suspect it's a temporary phenomena.

No emotions.

As such, you can see a bidder synopsis.You are seeing a set of numbers that take the offer price, subtracts the three components of the commissions, and then the bottom number is the minimum acceptable to HUD.When you are counterbidding, adjust your offer until the BOTTOM number matches the counterbid amount.Never forget you are dealing with "the evil empire"... no emotion... time on market, fixed percentage discount... take it or leave it.