Owner Financing Math!!! Am I over thinking this or Is this a process

[Wesley Merriweather]

I know this may be a loaded question but I am looking for some help concerning owner financing. The calculations on how to handle providing offers to sellers and buyers creating a win-win for us all. I have actively been buying and selling real estate up to this point but looking to expand my opportunities on doing more deals. 

I understand the process of owner financing and the things leading up to presenting the offers I guess bottom line is the confidence of knowing what you are offering is ethical and fair knowing that this I am doing my part to make a no deal into a deal where the seller did not want to accept cash. 

So as an example I have a property valued at 100k that's free and clear and seller just wants to do a deal but not my wholesale cash offer. 

My 3 options would be net payments, interest payment, or cash

What would be ways to work the numbers in determining the monthly payment with Interest to my seller with or without balloon payments. And How to work the numbers to make sense for a tenant buyer?