Hi, newbie here- never flipped a home in my life. 

Pay or do not pay.If she decides to pay then life goes back to normal.If she decides not to pay then the foreclosure proceeds. 

Are there good and solid people in real life YES!

Peace of mind is very high on my list and having cash on hand can solve many of life's problems.

@Eddie MemphisWelcome to the site.Entrepreneurs  who are willing to live their life the way others are not willing too for few years will be able to live the rest of it the way others are unable too.

I'm at a bit of a cross roads in my life.

Your life is not worth wasting over this stuff. 

Yes, 100% legal to ask and offer cash and come to an agreement.  100% illegal to do anything to force them to move, make their life uncomfortable etc... prior to lease end.  

Take the life of Thomas Jefferson, we can learn a lot from his life as he did many great things but he also owned over 600 slaves in his lifetime. 

The benefit now may seem nice of getting that money, what could you do in the next 6 months to year that will increase your income for a life time and have higher returns, and the ability to grow massively instead of singlehandedly focused on something that would lose you money now and later down the road.