subject to deals in washington state

[DeWayne Mann]

still a new investor here, but am getting close and gaining courage every day with learning what i can on what interests me.  my question is this:

 with all the  posts about "subject to" deals, i still can't seem to find any info on ones done in washington state.   at this point, i cant even tell if its legal in washington at all.  If there are any washington members who have followed through with subject to deals, please post below.

what i want to know specifically is, 

1.  is it legal?

2   how to transfer or attain ownership if the lender is still holding deed of trust?

3.  i understand the due on sale clause, but what are, if any, the loopholes for taking over ownership of a property with subject to without alarming the lender and keeping it on the downlow and it still being legal?

4.  How have you dealt with insurance companies holding policy on the property?

 I know seeking an attorney is default for most of you, but lets leave that out of any answers that you have.  what i want is to hear from those who have been in the trenches and know first hand.