In fact I got 15 year loans to pay a lot interest rate and just sent all their income in to paying them off. 

They will issue an IRS Form 1099 in January, reporting your total taxable income to you and the IRS.

There are plenty of banks across the US that also have a stated income heloc (in the Carolinas, First Citizens will do up to $100k with no income verification). 

My idea is to put 20% down on a $1 million property, with the remaining $800,000 paid off over 8–10 years, depending on how much yearly income the seller would want.I’ve seen a lot of discussions about using seller financing for investment properties, but not much when it comes to primary residences.

@Yael DoronIf you're working with a $150,000 budget and aiming for high ROI through rental income, consider nearby areas around Phoenix that still offer affordability and growth potential.

Question that the “believers” don’t ask is “how much could I earn on the extra money I’m spending to pay down the loan faster?  

Lender does not look at your income, just your FICO and they want to see rental income.

Start to evaluate deals based on the income approach and you'll do much better long term investing. 

And I would love some passive income or at least someone to pay my mortgage until we can pay it off maybe.

If you want private investors, start by asking friends, family, or colleagues in your network who may wish to a passive income opportunity.