A medical hardship is as good as it gets as long as it's documented. There is nothing wrong with providing documentation. I closed one last month on the listing side with a restraining order on a neighbor. Unique, but I got it done with no money and no deficiency. She was making 95k a year and could afford the house.
A 2nd will ALWAYS want money from the seller. They are in second position and will make it tough on the first to get there money. The 1st will normally offer the 2nd a chunk to step out of the way. With a real hardship and proof of little liquidity, the first contribution should suffice. If she has a chunk in the bank, it could be a different story.
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Todd
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