owner financing suggestions

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have a 4 unit property that i'm thinking of seller financing...price--145,000....terms would be 10% downpayment, 8.5% interest amortized over 25 years w/ 5 year balloon...any suggestions?? i get that at about 1,003/month payment...does this sound about right..or too nice? i don't want to screw someone into a deal where they will lose money...i'd like it to be profitable for them as well...then again, i need to make it worthwhile for me to hold the note..also, i've heard HUD is eliminating seller financing, but my attorney hadn't heard of this...am i good to go?? thanks