I am a full time investor with over 130 tenants. I do not do any handiwork. I can not nor do I want to. You can do the same or better. Dick D., Bradenton, FL .
Usury laws vary state by state.
Generally you can get any terms you like as long as they are not usurious. You, on the other hand, have set a generously low rate. Make sure you get your full price. Generally, by offering terms, you are doing the buyers a favor. You can do a graduated mortgage where the payment is low for the first 2-3 years and then goes up.