Owner financed offers on my listings

[Dustin Lunceford]

I have had a good bit of investment property listed over the last year.  I have recently received calls/verbal offers on a few of my properties that have me scratching my head.  Each of these offers has been $20,000-30,000 over the asking price with owner financing.  I have asked if someone is teaching this offer structure and one person said it's common in land and the other explained it as a win-win situation.  I asked questions of the win-win buyer and after a little back and forth, it seemed like the buyer is just overpaying for the property to get owner financing.  My two question are:

Have other agents had similar type offers on any listings? 
What am I missing that makes this a desireable offer structure?

[Jason Taken]

The big thing here is not involving a bank but rather making you the bank. If the buyer's strategy is to hold long term, and they are getting favorable interest or payment terms, and the value supports, offering more than ask isn't necessarily a bad thing for them.