Usury Limits

I’ve been looking into usury limits on interest charged for holding notes on used mobile homes. I can’t seem to find consistant information on whether I need to keep my interest rates at my state level (WA State 12%) for this kind of transaction. In all the examples I’ve seen in different references the rates charged are all over the place with most of them being over their state usury levels.

Do most of you feel that this kind of transaction does not fall under usury laws? Thank you!