RENTAL HOLD VS SELLER FINANCED SALE

Question from a newbie in seller financing. Would appreciate receiving all

Analysis question:

Property: SFR Year Built: 2003 State: GA Purchase : $48K Rehab: $3K Status: Vacant Expected Rent: $925 HOA: $150 pm Insce: $60 pm Tax: $60 pm Repairs allowance: $100 pm Vacancy %: Estimated at 15%

Price History: Sold Mar 2006: $128K Sold Aug 2013: $39K Sold Jan 2014: $48K

Averaged Price Estimate from 4 realty sites: $55K,

Question: Have Offer from a Realtor to Buy property at $62K with Seller (me) financing

Realtor will be asking for 3% commission for selling property, possibly towards down payment, so net say $60K (I'll make Buyer pay for other misc chgs and fees)

What would be breakeven interest rate to make comparable the 2 options i)the rental versus 2) seller financed sale at $60K with $6K down and $54K financed?