Lease Option or Subject To - Seller Doesn't Make Payments

[Kelvin Letron Brantley]

In a lease option or subject to agreement, it is my understanding that I as the investor would pay the seller monthly payments.  What happens if the seller doesn't make the payments and starts to default on the mortgage?  Can I put a clause in that I would make payments directly to the bank?  Is that done in the industry?

Thanks,
Kelvin