I was thinking of subject to in this situation.

And if you want to throw your 2 cents in on the subject feel free, I'd love the feedback :)Thanks!

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Subject Property - $105,000 (cash)Renovation - $70,000 (cash)After Repair Value - $260,000 - $275,000 (could be more depending upon the finishes)Here is where it gets tricky...- Holding Period: 1 Year- Renovation Time Frame: 3 - 4 MonthsI would buy this property under the FNMA guidelines of the First Look Initiative which allows Owner Occupants the first "stab" at purchasing the property before Investors. 

If I make an offer to purchase a property subject to the existing financing with the goal of minimizing my own funds into the transaction, how are the Realtor fees handled?  

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He is making $87,000 (Estimate) it is all subjective to the market

Thank you for all those good advices that will encourage me to dig a little bit more on the subject.

so i explained that depending on the strategy i plan on using, i need to know the mortgage. for an example i used rent to own and subject to.  

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