Owner finance versus rental

[Alecia S.]

Do you think it is better to sell a property with an owner finance deal or rent it? Owner financing would consist of 20 percent down with 5 percent interest over 20 years or 20 percent down with balloon payment in five years. Property currently stays rented for 1395 per month. I bought the property for 100,000 and put 20,000 into it. It is worth 174,000 currently. I am not sure about how owner financing effects taxes, but I own property outright. Any thoughts? Which would yield a greater return interest from owner finance or appreciation?