Buying "Subject To" with FHA or Conventional Existing Mortgage. What is the difference?

[Daren H.]

Wouldn't they both have the same pros and cons? I have been reading posts and some appear to strongly caution subject to with an FHA insured loan. I am considering the idea with a seller for 8 month period. I would do a rate and term refi after 6 months (it should pay off existing and seller note). If the existing note got called, I would be ready to pay of the existing lien but my whole purpose would be to acquire with less out of pocket. Why the strong feelings about FHA versus Conventional?

Advice would be appreciated.