How much interest should I charge for a private mortgage?

The house next door is in pre-foreclosure. Prior to the start of the foreclosure, we found some tenants for the owner who are living rent free in return for fixing up the place.
At 6% interest on a 30 year loan, they would be paying roughly what they were renting an apartment for before moving in next door.
I’d like to keep the current people as they are good hard working folks.
However, they are refugees from Chavez’s Venezuala and cannot qualify for a loan as they have no established credit in the US.
I will be making the loan from my IRA. Will the IRS have any issues with me making the loan under what would be considered a fair rate considering the risks?

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