question on owner finance property with rehab

[Jason Schooley]

Howdy folks,

I have a FSBO who is interested in owner finance.

ARV $135k

asking $85k

estimated repairs $30k 

owner owns the property free and clear

I can brrrr this property, i already have funding lined up.  The question is: is there a creative way to utilize her willingness to owner finance to get the property cheaper and through interest payments over time get her close to her $85k number?  And how does one go about funding the rehab if i went the owner finance route?  

I have run these numbers many different ways and trying to rehab with as little of my money as possible is eluding me.  Maybe i'm standing too close to the forest.  Thoughts?

Jason