Seller financing question - evaluation

[Kevin Hilton]

Good morning BiggerPockets community.  I am a new investor closing on my first rental property in November of 2018.  Purchase price was 95k and rents for 2k per month and I used a conventional 30 year loan at a 5.75 rate with 25% put down.  Currently I am in negotiations for another property with a list of 105k and it is leased for 2100 per month.  The seller is offering financing at 15% down with a 6.25% interest on a 20 year amortization with a balloon payment after 10 years.  There is a 2% penalty if the loan is paid off in 2 years.  I would appreciate any feedback on this offer.  Thank you in advance