Creative seller terms, am I doing it right?

[Tyler F.]

Hey folks, first time poster and looking to get my feet wet.  I'm pretty fascinated with some of the deals that people are able to put together with seller terms.  I completely understand that it depends on what the seller's needs are and many just want to take the money and run.  I read an older forum post that intrigued me and the author said something like 'I tell them I can give them the price that they want if they can give me the terms that I need.'

Anyway, there's a duplex that I'm interested in.  It's been owned by a 90 year old woman who lives locally (and owns other properties from what I can ascertain.)  Assuming the bones are good, I'd probably offer 250k for it as it is, but if the seller would entertain terms, there's another couple choices I was going to present.  

$250k -- I'll bring my own financing and she walks with 250k (and has to pay cap gains on the difference between that and her basis, which I presume is very low)

$350k -- I'll give her $35k down and the balance as 300 monthly payments of $1050.  (effectively $215k financed at 3.27%)

$450k -- $0 down and the balance paid as 360 monthly payments of $1250  (effectively $250k financed at 4.39%)

Now, I know I'm hoping for a unicorn here, but my question is more around whether or not this is the type of adjustments you would make to your deal to accommodate a seller's wants or needs.

Anyways, thanks for reading and offering your feedback!

T