Wrap mortgage, what if seller stops paying mortgage?

[Brian Kempler]

Let's say a distressed seller refuses a subject to offer but accepts a wrap mortgage at the same rate and payment as his own mortgage. So you are paying him (while holding title). And he is paying the mortgage despite moving onto a new home.

What if the seller just stops paying his mortgage in this case? Seems now the investor has a problem with the underlying loan going into default. 

Is there any way to protect against this? I would prefer to pay the lender directly but that defeats the purpose of the wrap mortgage I think.