I actually want the property when i purchase is there anything the bank can do to make the transaction difficult.

Monetary transactions must be controlled through the use of receipts and regular monitoring.

Loan File Chain of assignmentTitle – Verify lien position, other junior liensNote modifications / forbearanceOrigination documents – 1003, disclosures, HUDVerify Fee simple estateServicing File Mortgage payment historyBorrower Credit ratingLegal In bankruptcy process?

Really gotta chain out title and reverse engineer.

Wont have to wait and cross your fingers that it is working, and you will know right away.  

You want to make sure the seller knows your intentions for the property going in so there isn't bad blood at some point during the whole transaction; but these transactions can work out to be very nice win-win scenarios for both you and the seller at the end of the day. 

In other words, they may show you how to do a Sub-To deal, they probably don't explain the legal, financial, economic, administrative and the different exits of a Sub-To transaction.

Why not do the same thing with someone that has a history of paying their debt and is a better risk to complete the transaction with you? 

I also have some transaction coordinating experience.  

If you do this as an agent without your brokerages consent then the brokerage will take the cut out of your check and not theirs.I do not know your situation it just sounds like something is off with this transaction from your description.No legal advice given.