What makes a note valuable

[Gregory Childs]

Ok I am trying to work out what would give a note the most value. And I am coming from a position of little experience in note origination.

Let's say I took a note back for a property. Appraisal $100k. Note $75K terms at 9%, 360 months with a balloon (5 to 10-year). Assuming the buyer had a FICO score greater than 675 with DTI under 45% what could I sell that note for? So I could get my cash back out.

I know that is a little generic example but any insight would be appreciated. Would it have to season in order to sell it? What makes a strong note?

Thanks,
Greg