If you are selling a property and agreeing to provide the financing by carrying a note, DO NOT agree to a note interest rate that is equal to or lower than prevailing mortgage interest rates. Why? First, you are not cashing out, you are still tied to the property. Second, you are locking yourself into terms for the next 5, 10, 20+ years. Rates will fluctuate. Your rate must be comfortably higher today than prevailing rates to protect yourself from interest rate risk.