In all likelihood, they are going to ask you to use a custodian to transfer funds to the FCM.

The transfer violates the due-on-sale clause in almost every mortgage.  

But some states impose a transfer tax and other assessments that can complicate the situation.

So, the properties held as assets would either have their titles transferred to the DBA name of the holding LLC or transferred to an anonymous/blind trust, which would only list the name of the trustee.The idea is to simply make you NOT a good target for a lawsuit. 

The deed in one's name equals ownership of the property....assuming a legitimate transfer, and not complications/issues with a Quit Claim Deed.

I look up the houses on the assessor to see how long they have owned it or if it was something they inhareted/transfered from a trust. this way im only offering on houses that are likely owned outright so there is no minimum amount they must get in order to pay off a mortgage.This method/theory requires a high amount of offers going out to see any success. 

If there is only a primary mortgage, you can probably get a pretty good idea based upon the deed transfer date, which is public information in Texas.

Subject to "existing financing" - This is basically the owner transferring title and the new owner (you) taking over the loan payments.

He is not motivated to sell, but it seems he could be persuaded to go with seller financing...so, do I explain:I will take possession of the property by transferring the title into my name.You will retain ultimate ownership of the property and have the ability to foreclose should there be any non-payment issues.I will pay you a monthly loan payment of X Dollars every month for the next X Years.And if this is correct so far, how do I explain the terms?

Houston has these same issues but as was mentioned you can get lifetime warranties that are transferable for about $125-175 a pier, most of the houses that you would want to rent are not going to be larger than 2200-2400 sq. ft.