If this is an A property, then owner financing is usually not an option.Make sure the expenses are accurate, 200 for water/sewer appears very low.Gino

The property was my husband's responsibility.

@Andrew Postell thanks a ton for that response.

I can get 4% for 20 years - but I am unclear of a 'Prepayment Penalty": his 'contract'  :{5} Note:The borrower will be responsible make an origination fee PLEASE NOTE:this is the only fee expected to pay for this transaction to have your loan transferred to you as soon as possible by the bank transferring bank to your bank account, or which ever way you want your loan to be transfer to you If you fully agree on this terms and condition.Do you agree with the above terms and conditions?

Send pay or quit letter and no response.

Thanks in advance for your responses and referrals!

@Roman M.Thanks for the response.  

Any feedback is much appreciated looking forward to your responses and thank you in advance.

Or if you have a question, post it and watch all of the responses that come in.  

Thanks for all the responses.