Calculating Interest on Owner-Financed loan

what are current mortgage rates? what do you need to make to keep you "in the money"? could your borrower/buyer qualify for the best rates that are available commonly? your rate needs to be determined by investigating these items (and perhaps more). if a borrower can qualify for a 5% rate, for example; and you charge 6%, then they won't bother with you. however, if your borrower has issues and wouldn't qualify for a "regular" loan with a lender, even at 6% or 6.5% or more, then you simply have to try to be fair and not greedy and negotiate with that person.

at least that's one man's opinion.