Credit Partner / Assumable Mortgage Question

[Account Closed]

If I use someone as a "credit partner" to purchase a rental property and had his name or both our names on the mortgage could I fully assume the mortgage in the future? Would I have to qualify or refinance the loan at that point? Is there any way to get around this? I know technically most conventional loans are not assumable but I've heard of people taking them over with no issues as long as they keep the payments current..can anyone speak from experience on this?

When a seller has a buyer assume his loan is the loan still held against him (debt/income ratio) if he were to purchase a home in the future?

If i went full time into investing is there anyway to use a credit partner to secure financing to purchase a rental and then take him completely out of the picture? (He would have no cash in the deal.)