You clearly don’t understand what a motivated seller is.From your writing, it’s evident you believe a motivated seller is simply someone who wants to, needs to or has to sell their house (hence your foreclosure example).The truth?

I am trying to understand all of these financing options.

I've been immersing myself in various resources to understand the fundamentals and best practices.One area where I find myself seeking guidance is in building a network remotely.

Once that is complete, the property is yours.Now all that being said, it makes me EXTREMELY nervous that you don't understand the process and your only go-to is a wholesaler. 

For sellers, it’s not about making the hardest sell—it’s about understanding their problem.

One of the tings you need to learn is that if you dont want to be a "finance person" then property management or real estate in general is not the career for you, because it it all boils down to numbers and if you think you can wing it without understanding finances then you wont make it in real estate.Gonna disagree.

I have lots of experience on projects that involve rezoning, platting, understanding City approvals/permitting, but that aspect you will not learn in any college courses, and nor does a Civil Engineering degree help with.

If its a private lender loan to a LLC there is no usury, its what is in the contract from our understanding and discussions with our Virginia Attorney.  

Any of the books from Brandon Turner here on BP would be a good start and then any book on understanding the numbers. 

Larger REI companies usually understand the importance and track KPIs tied to these statements.