Making An Offer/Broaching the Subject of Seller Financing

[Jacqueline Segui]

Hello Everyone, 

My name is Jacqueline, while driving for dollars I saw a house that seems vacant.  I am not sure that it is.  I researched the property and found out who the owners are.  From what I can tell the house owned outright. I found out the owner is an elderly woman and perhaps her children who are also older people.  The data I found indicates they may actually still live in the home.  This area may be targeted by realtors because the home owners are getting older.  The house is in a nice area and it is not listed for sale. I would like to make an offer and suggest possible owner financing but I don't want to offend them. From the outside it looks like considerable work may be involved.

 How should I proceed?