As long as the title transfers to me at closing and I buy subject to the existing financing, is there any reason a lender would have a problem refinancing the house and paying off the underlying loans which are in the seller's name?

Or are your trying to purchase the property sub to existing financing like your heading states?

Have there been any additional features, have existing features been upgraded?  

Its your proof of a deal existing.

One condo we did have foil wall paper embedded into the drywall, so we mudded primed and textured (orange peal) and there was no difference between the existing texture drywall and where we covered the wall paper.

These deals do not exist.

I also got a couple of HUD deals as well with my existing realtor so I didn't leave her out in the cold either.But to me, this is beyond coincidence that using realtors at the same agencies as the listing agent is extremely beneficial.

My second one I did by taking it subject to the existing financing and used cash advances on credit cards to reinstate the seller's default and fix up the house. 

If you will be investing in Canada, there will be some differences, most notably in the areas of regulation (law), finance (which you would likely know already), and taxation.

That gives the lender the right, though not the obligation, to call the loan.There are arranged from most favorable to the buyer/least favorable to the seller to the reverse.1) Subject to: You buy the house subject to the existing mortgage.