Your post appears in a Concord CA forum
I'd be interested to see what Florida realtors/real estate attorneys/lenders would say.
But I am curious --- if you take over someone else's house payment, then you'd be doing that someone a favor. That doesn't mean the property will be automatically given or transferred to your name that way. As I understand it, that person's loan obligation to the bank doesn't cease if someone takes over the payments. It only ends when the bank is paid off.
The bank is paid off if the homeowner sells the property -- either in a regular sale or short sale.
So if you want to buy a property, and if you won't pay cash, you'd have to qualify for a loan.
Please update us on what you find out. Good luck.