Mortage Owed, ARV?, Seller wants certification?.

[Jesse Stanley]

Hey all, I am still a fresh baby in the wholesaling so I could use some help here: Seller owes about 20k on the mortgage, home is estimated at 102k, Seller is asking 112k. How do I go about that as making an offer exactly, Comps in area around $85K & another for $90k. (others $100k range) My gut offer was $80-90k....

Do I deduct $$$ due to mortage owed? How does that work exactly?
Also Seller says theyd like a bank certifying to them that i HAVE the money for the house because theyve "been stung a few times" and even though I look trustworthy to them it would only make them comfortable....I said it would not be a problem to show them certification. But, would this come from the buyer or?...

Im looking to flip, so how do I go about a clearer ARV if there isnt much needed for repair, Roof is 2 years old, house was built in 85', bought in 05'. Advice much appreciated thanks

Like I said, I am still fresh to this so thanks in advance.