Has anyone here carried paper on a property they never intended to sell this soon

I bought a duplex in Lakewood, Ohio in 2019 for 187,000 and I'm only looking at seller financing now because a buyer came to me in March and I wasn't planning to sell until at least 2027. My neighbor, who has done this three times, told me the rate I set today is the rate I live with for the next seven years unless I write a balloon, and that sentence has been in my head all week. I don't know if I'm rushing because the offer was flattering or because I actually want out. The buyer is putting 18 percent down and wants a 30 year am with a 7 year balloon and I have no idea if that balloon timeline protects me or just delays a problem I haven't thought of yet. First note I'd ever carry. Wondering if anyone else got pulled into selling earlier than planned and how they thought about the timing.