Are these attractive seller finance terms to a buyer?

[Doug Eric Gueirn]

What is the best downpayment and interest rates that are usually an attractive offer (For Buyers) when negotiating a seller finance deal. 

Is the following seller finance offer good enough>

%20 downpayment
%4.5 IO 
$1000 EMD
Balloon

[Bill B.]

You’re offering less interest than they can get guaranteed by a bank. I think that would be a hard no. If there’s a realtor involved they will be hard pressed to bet 10% after closing costs. That means if you fail to follow through and they have to pay 10% again to sell the’ve done all this for nothing but a large headache. 

MAYBE with no realtors, so most of that 20% goes in their pocket, a 7-10% interest rate, and a balloon in 3-5 years, MAYBE, if you have great credit.