As a wholesaler you should know what to do and how fast you need to do it.Here are some suggestions:Write an offer for what she wants.Take title subject to the mortgage, keep the property, pay the mortgage and profit from the rent and appreciation -- orControl the property with a "skinny contract of sale" with a delayed settlement date, have a public auction.If you control the property for $65,000 and sell it at $80,000 you are doing well (need a partner).I'd say stop asking question and go close that deal.May I ask you some questions?

I live in Baltimore County, Glen Arm, and have done transactions in Columbia and a ton of them in the County and a couple of tons of them in the city as a family business, controlling and selling houses and commercial properties.

I'm looking to control my downside as much as possible here.

That's a really simple calculation that doesn't take into account the time value of money or lost opportunity cost.

The remaining 10 is lost or not utilized.  

Risk management and controlled leverage will become your best friends in this business.Keep learning from the posts here on BP and don't forget to seek advice before your next deal.

Either way they are A paper programs and you are protected from up on high by over-governmental control.

@John Suralik  subject too is a very old and easy method of acquiring RE its not big deal. what it is is uber risky for sellers unless the sellers have already lost their credit and don't care and are walking.. the reason is you take Title subject too  the existing loan.. remember loans stay in place unless paid off and even though all debt instruments have alienation clauses they are rarely envoked.

Remember you don't have to own a property to control it.

There has to be an "insider" way, because the deal would be lost if it gets to all these web sites, am I correct?