Structuring a Subject to on a Listed Property

[Brandon Sturgill]

I have a client capped at about $80k who offered on a property with an underlying lien of roughly $90k. The seller is willing to let go for the balance on the note...I would like to salvage this deal by structuring a subject-to offer, but wanted to get a bit more advice from folks who know this strategy. The seller is current on payments, but indicated she is not able to cover closing costs, warranty, title insurance, etc. And there is no equity here....thoughts?

(please do not respond if you are not versed in this type of financing strategy- thanks)