You need to move. If you can not purchase it there is nothing else. The bank will not give it as a gift.
call up the lender and tell them you are living in the home and that you will offer a L2P contract on it. You can take over the payments and just put the late ones on the back of the note.
Move out and find a new place to stay.
If the owners can't afford to pay, and you can't afford to buy, what do you expect to happen? You have to move out!
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