Owner financing taxes, insurance, refinancing?

[James Papiano]

Hi everyone, I have identified a potential property in my neighborhood.  It would be ideal if I could negotiate an owner financing deal with the seller. What could some of the terms of the deal be related to insurance and taxes if title of the property remains with the seller ? How could I get insurance coverage for something that I do not have title to?

Would it be possible to eventually refi or get a bank to assume a mortgage to pay off my note with the seller if the title is not in my name? Any other creative solutions or advice to close with an owner financing deal?