Ask yourself if they can do 20% damage! If they gut your home while fixing it up and then stop paying you, then you may be in worse shape than when you began. If you know the people, they have a good reputation for moving properties, then pull a credit report on them, and make sure you have a "due on sale" clause so when they do sell it, you get paid off. I'd go for more than 6% interest as well. They will have no closing costs, or very little, and you are the one taking the risk. If they only hold it for a short time, the higher interest rate should not be an issue.