Reverse mortgage help

[Charles Williams]

I'd like to learn more about reverse mortgages and creative investing options with them.  I've run across several motivated sellers with them over the years but couldn't quite figure out how to structure the deal since most properties didn't have enough equity to buy for cash, and wasn't sure how to do a subject to type deal.  Has anyone successfully kept the RM in place and structured a deal around it?  My limited understanding is that the bank wants their money back as soon as seller sells or passes away, and are much more aggressive in pursuing this than the due-on-sale clause trigger.

I appreciate any thoughts or opinions.