The original interest rate has to be based on prime rate or another accepted interest index like Treasury Bills.Category 2 – individuals, trusts or estate (LLC’s also) – up to three home occupant – buyers per yearno balloon paymentsyou must determine the purchaser’s ability to pay the amount owed- there are eight criteria you have to look at-current or reasonably expected income or assets, current employment status, monthly mortgage payments for this loan, payments on other loans secured by this property, payments for property taxes, insurance, HOA dues, etc. required to service this loan, debts alimony and child support obligations, debt to income ratio and credit history.

And that interest rate is compared to the risk free default rate (usually modeled as US treasuries to determine a fair value. 

Will a casino fix things?

also... consider this:“If you have a 401k or other retirement account, you owe it to yourself to understand the history of these retirement plans...The relationship between retirement plan sponsors (financial firms) to investors is similar to that of casinos with gamblers.

Thanks.https://www.nytimes.com/2019/04/17/business/economy/opportunity-zones-treasury-regulations.htmlhttps://eig.org/opportunityzones/history

Here is Russellville we have the 3rd largest university in the state and are about to get a very large casino resort.Honestly, if I had $150k in cash I would be looking to put $50k down on three different properties and spread the risk. 

As I think about it I say to myself well there is inflation say 2.5% if you believe your government so really ( 3% - 4% at least), then there's risk free 10 yr treasury say 4%,.....

In the current environment, they could buy US treasuries instead of invest in nations with negative rates.

An example would be a 5 year loan that will renew every 5 years at a set rate above the then current treasury or benchmark.

As an example, look at the Dodd-Frank Act, it adopts and modifies dozens of related regulations, TILA, RESPA, Tax Code, Treasury Regulations, FDIC Regulations, FCRA, on and on.