Offer more then its currently valued?

[Matt Maluchnik]

Situation: Triplex - currently valued at $109,000 offer price using conventional loans will deliver a 8% COC return.

The owner will also look at financing it herself (no loans on the property).

IF I believe the property WILL BE WORTH $132,000 10 years from now (assuming 2% appreciation)....can I offer that FUTURE price, but have her finance it for 15 years?  I'm thinking as long as the cashflow makes sense, it's okay to offer MORE then it's current value since the owners will be financing it at a 0% interest (or low) interest rate?

Does this make sense?  Or am I off?  I'm trying to figure out how to create multiple offers depending on the sellers situations I keep running into.  And I'm thinking this is one way to make it attractive for a seller to carry the note.