Questions re: Subject To

[D Higgs]

Hi BP. Figured I would throw the question, or in this case...questions here before I started researching the answers.

Any help would be appreciated! Thx in advance.

Questions:

Who pays back past due mortgage payments?

What if the current homeowner tries to refinance? Can they back out after contract is signed? Can someone share experiences how a court looks at Sub To agreements?

What is the average timeline for them to move out?

Closing costs associated with Subject To?

How should I handle homeowners insurance? What if something happens?

Is it recommended to get Power Of Attorney with seller? Any advice how to overcome objections if he/she has concerns?

How exactly does title transfer? For example, if someone did a title search in the future, I'm assuming my name would now appear as owner... correct?