Making a 2 part offer with seller financing

[Ryan Dossey]

I have seen several guys will make an offer that really has 4 options. Option one is low cash price. Option two is seller carrying a note at a higher price. Option 3 is a counter. Option 4 is a rejection. 

I am curious for those of you that use a similar method what do you offer on seller financing? What is your ideal interest rate? Term? Do you offer 5 % higher then offer one or is there a number you go off of? Case by case basis? Do you offer a balloon? I am aware that each and every transaction is different I am curious however what would be a good starting point?