Skin Issues with a leased mare (Photos)

I am leasing a 13yo arabian mare in Southern Florida. Her owners don't have any time to go out and ride her and she is at a boarding facility. This mare constantly has skin problems. Now that it is summer the skin issues have gotten much much worse to the point where she can not even wear a saddle because the girth would be very painful for her.
The main affected area is along the middle of her belly, from chest all the way to her teats. She has all these scabby/raw areas and her fur has turned white (i am assuming from previous flareups and scarring). Her mane also has some issues and the skin where her mane grows of of is scaly and flaky.
I was wondering if anyone could tell me what this is and what (if anything) I can do to help her. The owners don't seem to want to contact a veterinarian and says that happens all the time, especially during the summer. Any ideas?









This is her mane, I do not know if this is related of not.




And here is she is :)

Almost looks like mange, she should probably be seen by a vet.

That's horrible. I've never seen anything like that before. Any way you could afford the vet if the owner would agree. How are you supposed to saddle her with that going on.....Poor girl...

I've never seen anything like that :/ it looks painful! She needs a vet, yesterday.

Its too bad that this horse is suffering because of bad owners.
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The last couple months I haven't "leased" her because I do not have the money and I only am able to go out there about once or twice a week. They let me got out anyways to help take care of her (she is partial lease) and to ride her. I am considering hiring a vet when I get my school loan money in, but that is not until September :( I absolutly refuse to saddle her, if I do ride her at all it is only walking bareback.
It stinks that I can't do more for her. I do wash her belly every time I got out and spray the open wonds with this blue wound spray that they have. Just trying to figure out anything else I can do until I might be able to hire a vet for them...

It looks like a really bad fungus to me, but the sores on her wither make me lean more towards an equine illness but I dare not say more without a vet's professional opinion. They do look worse than saddle sores, though.

Does she show any kind of negative sign when you wash them or treat them?

AmberNichole--

Stop! Do NOT spend your student loan money on this horse!

I know that you care for this horse and have his best interests at heart. I know that getting this horse seen by a vet would be the best thing to do...

BUT - you are setting yourself up for a bad situation. You are taking on expenses that you cannot afford....and you are thinking of spending the money that is intended for your education to do it.

And what if the horse needs multiple vet visits - or expensive treatment - or what if, what if, what if?

You need to communicate clearly with the owners that you cannot continue leasing until the horse gets veterinary treatment. If they are not interested in treating him - you probably need to walk away and find yourself a better situation.

I'm sorry that the owners are being this way...

The sores are not on her withers, just along the center of her belly from in between her front legs to her teats. It is very uncomfortable for her and she pins her eats, snaps her teeth, and "snarls" when I touch her belly to clean or treat them. These are definaly not saddle sores; the worst parts are back by her teats.

I know, but I have become attached to this horse and the owners can't afford a vet and bunch of tests. I know using my school money isn't the best idea, but I can spare a few hundred to try and help. After that few hundred there is nothing more I can do. :(

Iodine Shampoo- To clean it and if its fungal it will go away with a couple washes
If it doesnt work ask a vet
Good Luck