Will this seller finance deal be a potential note for sale in the future?

[Shera Gregory]

I am selling a property with seller financing. I don't know how to estimate what this might be worth to sell as a note in a couple of years if the payments are made on time. Here are the details:

Original loan: $28,000 at 6% for 12 years.

House: 3BR 1BA SFH in small town in IL. Not a lot of sales so hard to estimate value. Maybe in the $35,000 range after the repairs that are being done currently.

Buyer has fair, not good, credit.

I plan to have a loan processing company handle the collection of payments and escrow. After 18 months or so when the balance due is around $25,500 is it reasonable to expect to get over $20,000 or is that out of the question? What is the determining factor for what the note would be worth? House value? Loan balance? Buyer credit? Other?