A couple "Subject-To" questions

[Mark Williams]

I've been reading up on Subject-To sales and they sound good on the surface, but I have a couple questions:

1. If I buy someone's house and take over their mortgage payments, they have to move somewhere else, but the mortgage debt is still in their name, so the chances of them qualifying for a new home loan are really low. So what do they do? Rent?

2. How do you go about getting home insurance on a Subject-To property?

3. If the Title is transferred into my name after closing, the bank on record isn't notified of the Title transfer?

Thanks for your help on these questions.