Guiding a family into a creative financed deal

[Jacob Stevenson]

I think this is a sub to deal but idk.  I've done some owner financed deals in the past but never sub to. Owners want out and purchased in 2018, loan is not assumable. They have never owned rentals or investment properties but have no offers and moving out of state.  Loan is for 330k, house is listed for 635k.  I think they would accept something between 550 and 600k.   Home is on a lake, I believe I could airbnb for 3500 a month.  Tax is 5k and insurance would be around 2k.

Anything else I need to include?  Any advice would be appreciated.  Confident the house will appreciate at a nice rate, just want to break even monthly.

Thank you for your input!