You can do a subject to transaction but that is not legally assuming the loan.the banks got rid of assumable mortgage long time ago. 

DSCR loans are widely available to first time investors, but they are considered business purpose loans and you will be required to sign documents stating that neither you nor any family member will occupy the property as your or their primary residence as long as that loan is in place. 

Purchasing in your name might be simpler and cheaper upfront, but you’d be personally liable for any legal issues.

I’m no attorney or CPA, so I won’t wade into legal or tax advice, but I’ve watched a well-timed 1031 turn a humble starter property into a stepping stone toward a whole portfolio.

Is this even legal?

If you need financial help, ask under the "Finance, Tax, and Legal" forum.

Here in Michigan you need to be licensed as a real estate agent or broker to be legal.

Also, ensure their 2-year workmanship warranty is documented with clear terms.Shingle warranties can be worth it, but claims often hinge on having all the right paperwork.

As the legally required small print in the offering of financial products reads: "Past performance is no guarantee of future performance".

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