Subject to loan help...?

[Jack Shuttleworth]

I might have an opportunity to take on a subject to loan. Is this a good idea?

Im taking on a loan amount of $144,236. 28 years left on mortgage, 2.875% interest on the note ($956 payment).  I can get 1200 maybe more a month.  the property is worth roughly $190,000 (so instant equity). I have not done subject to before. 

any thoughts on this? Guidance with subject to?

THANKS !!!