How should I approach this lead with a reasonable offer?

And the statement "That is not me" is a (Warning flag, Red Card, Strike 3, 15 yard penalty, 15 minute major, Technical Foul, pick a sport reference you like....

Being a Dave Ramsey ELP, I usually approach these situations from that perspective.

You're spot on with that approach, but determining the outcome (accurately factoring in the profit potential and required time) clearly involves some significant experience - not the kind of thing I should attempt to plan for.

The homeowner was unable to make mortgage payments to the estate for over a period more than 24 month by the time she approached me as a mortgage broker for help.  

I want to take a pragmatic and calculative approach and get my education first, but at the same time I'm looking for properties CONSTANTLY.

I have been approached by a client has 13 homes for sale.

I want to make sure what I am getting into before I take the next approach.

I have approached his realtor about being the go-to realtor for my business because we get along so well, and she says she is very knowledgeable about creative financing.  

They're also finding it convenient to be close to public transit, entertainment venues, sports complexes, gourmet restaurants, and museums.We see this across the country from Brooklyn, NY to Chicago, to Los Angeles.