owner financing

[Kris Compton]

I have the opportunity to buy a house from a homeowner:

ARV: $130k

repairs:  $10k

rents: $1100

I would like to offer $80k cash.  

She wants $100k, and is willing to owner finance to get a better price.  

I need help determining the terms that would make owner financing work for both of us.  What rate, down payment, and term.   What formula do you use?

Thanks in advance for any help