How can I bypass the locked to owner

short answer is no.

the icloud-to-phone association lives on Apple's servers and the only way to break it is to to remove it with the icloud account name and password either on the phone, appleid.apple.com or www.icloud.com.

doing any of the erase/reset functions will not remove it.

itunes or 3utools will not remove it.

you may see software solutions or services that say they can remove it, but they mostly involve jailbreaking the phone and doing a "workaround", but any time you power-cycle the phone, perform any sort of reset or update IOS, you will have to apply the workaround again. i have no idea how effective they are, but i don't do jailbreaks, so i wouldn't consider nay of these, plus most of them require a subscription.

anyone offering a service to remove it is probably a scam.

that said, depending on the model and configuration, icloud locked phones sell on ebay all the time.

You may be able to fully reset the phone which might remove the lock.

I use the 3U Tools program which can put your phone in either the reset mode or completely wipe it.

Hope this helps.