I used AFR [1] that are from 4% to 5%. One cannot give loans lower than that. Any mortgage is higher than that. [1] https://www.irs.gov/applicable-federal-rate

I used AFR [1] that are from 4% to 5%. One cannot give loans lower than that. Any mortgage is higher than that. [1] https://www.irs.gov/applicable-federal-rates https://www.irs.gov/applicable-federal-rates