Oh, I'm flattered you ask, but I'm in the same position! i havent actually competed yet. But I'll try to answer your quastions.
Firstly she is the same height weight and bf as me! So she must be in great shape already
no, seriously, the stats are the same and I'm also aiming for 4/5 months time and I am assured that I'll be ready by then so she should be able to do it too.
I think fat is on average about 12% for fitness, but its about how you look not percentages.
I wouldn't be worrying about the cardio too much yet. I've cut mine down a lot to concentrate on building more muscle, because if she's small now and diets later on, there's gonna end up being nothing of her. Strength and depth of muscle for now up until january, but doing enough cardio to keep from putting on any fat (thats the plan given to me by my trainer who has worked with several fitness girls, so i'm trusting him!)
In January I'll be starting dieting and upping the cardio. I don't know how much i'll be doing, feel free to keep in touch either on here or mail me and I'll keep you up to date with my contest prep training.