A: I heard that the potential buyer is interested in me carrying part of a loan for him. B: Carrying part of a loan can be a good or a bad thing, depending on the circumstances. A: What would be an advantage of me carrying a note on the house? B: If you don't need the money right away, you can earn a fairly good interest rate. A: Why does my buyer want me to carry part of his loan? B: In this economy, buyers sometimes have trouble getting a loan even when they have good credit. A: What are the risks to me? B: The risk is that the market could drop drastically and the owner would walk away. A: How long will I need to commit to financing this loan? B: You need to make an agreement with the buyer as to how long you will carry this note.