Fear of debt will slow your progress and growth as well.

The reason many do not buy is fear and lack of knowledge, 

The leak was a problem with the drain from the shower - not a constant running problem as I'd feared (and as the report indicated).

How much is just fear mongering with the hope of influencing people to steer them to your line of product? 

Im a fix n flipper, and this is my first year reporting income from the business to the tax man and I don't want my taxes to have been reported incorrectly for fear of future issues should they arise. 

That takes a lot of the fear out of taking action.

Some way some how my clueless know nothing self in 90 days had found a guy who knew a guy who heard of a guy who I meet and finally that guy said "yeah, i will back you, I know a $ guy, let's do this", and there I stood, in front of the property I just bought, with $0 from my pocket, that I was going to reno for $35k, none of which came form my pocket, and the fear hit me "OMG WTF did I just get myself into?!!!!". 

Move on, and avoid letting fear stop you from looking at opportunities to implement your plans.

Fear has been my biggest set back in keeping me from my goal of Real Estate Investing, but I no longer have that fear and I'm betting on me from now own. 

So you are going to have to work through that fear and find a Qi who has the demonstrated experience and protections to make you comfortable.