The Creative Investor - Best Real Estate Investor Loan Assumption Technique.

I'm an investor and in the process of using a decoy first-time-buyer to transact the purchase of a triplex, in order to qualify much easily and with low down-payment. I currently own nine properties. My question is....How do I structure the loan without tipping off my lender of my intension to assume the mortgage from my decoy buyer? Somebody help me out here......p l e a s e......