I think holding the mortgage is not a good idea. I say this for a few reasons:
1) Reselling a mortgage isn't so easy and will cost you money
2) Buyers of the mortgage are not going to give you 100% of what loaned out, unless you got great terms
3) The 5% downpayment is not enough for financial safety.
4) With such little downpayment, you definitely won't get 100% of your loan back when you sell it
I hope that helps.
Exit Uptown Realty
You might consider offering seller financing to the buyer. In this case, you will act as the bank. The buyer will give you the down payment and make a monthly payment to you instead of a bank. Once you have that Note from the buyer you can then sell that Note to a Note Buyer and get to cash. In your area, either a Title Company or a Real Estate Attorney can assist you in the paper work. Good luck!
Hannah Fliegel, FICO Pro