Buying a rental "Subject To"

[John Blum]

Hey BiggerPockets, I thought I'd pick your brain(s) about buying sub-2 properties. I have a lady who wants to sell me a property and is willing to let me take over the existing mortgage. As an investor with little capital to throw at the property, that is appealing to me. But I'm not entirely sure how that works, as I've never bought a house this way. How do you get around the "due at sale" clause? Also, she is in poor health so what, if anything, would happen if she were to pass away? Would the bank call the loan? It would make a good rental property and would cash flow nicely if I can make it work.