I believe it's on them to pay for any modifications, and restore upon move out.

My understanding is that ALL loans are now required to have a conference with the lender to see if a Loan Modification will work.But, here is the difference: if you're talking about buying at auction, that is clearly defined and has a straight path.

A contract for deed THEORETICALLY works differently, in that since the warranty deed is NOT recorded there’s no need for formal foreclosure - but in the last 20 years various states have passed laws and or regulations providing contract buyers with greater protections that may necessitate foreclosure or “foreclosure like” proceeding in order to gain “ownership”.  

In many cases, it involves:Helping owners explore options like loan modifications, forbearance, or refinancing.Working with lenders to negotiate timelines or repayment structures.Educating homeowners on alternatives they might not even know exist.From what I’ve seen, a lot of homeowners assume that talking to someone about foreclosure automatically means they’ll be forced to sell.

Help them explore loan modification options to stay in the home?

This will necessitate the production of a Private Placement Memorandum (PPM), Operating Agreement, and Subscription Agreement.

@Tricia York - These days I start by running all such lease modifications by ChatGPT to get my concept and language right.

Always.It's not the Realtor.It's not the Seller.It's not the Appraiser.It's not Zillow.It's not the News.Only the buyer.Doesn't matter if it's 70% of it's ARV.Or if it's $100k over asking.So having the right buyers is themost vital piece of a successful RE career.Your on the right track Adam, but missing 1 vital link in the chain, which makes for a very important modification in this: It's is the buyer, and always the buyer, who ESTABLISHES the market/selling price. 

Just ensure any modifications comply with local zoning laws and HOA rules.

As it was mentioned before, probably going to the seller and asking for an extension or loan modification will be the best way to go about it.