Is 5% interest on seller financing a decent rate?

[Jack Zhuang]

The seller is offering 20% down, 5% interest rate, 25 years amortization, ballon payment due on 7 or 10 years (negotiable), and due on sale.

Asking price $750k. Location: SoCal. Property type: commercial

Considering the 30 year mortgage interest rate has been reduced to about 4% now, is the above term still attractive in today’s market?