Understand what that MAO is and make the offer that gets you to a point of healthy returns & cashflow. 

I exchanged messages with another (very generous and informative) investor recently about seller financing and he described it like you, with the healthy down payment and slightly higher interest rate, but I couldn't wrap my head around a buyer with $25k in their bank account who can afford a higher interest rate and slightly higher monthly payments that couldn't qualify for a traditional loan.

It all takes time, it takes time to build trust, to create healthy relationships with those in your industry & market & it definitely takes time to build a successful business.BP is a great resource for information on any type of investment relating to real estate, you just have to look for it for like 5 minutes.

She's back healthy now and working her two jobs as normal.

I recently found this local forum for Canadians and am happy to see a healthy level of activity.

If you can afford 20%-30% down in your market then go LLC because it can offer better protection for you personal assets against lawsuits when combined with good insurance and healthy separation in finances.

She’s paid back her debt, is back to work, and healthy.

I now tie my identity to daily activities (learning and improvement) and the results are taking care of themselves.I am understanding and gaining control over my mind (your #1 above).I hit the gym first thing in the morning and eat a can of tuna and low sugar protein shake for breakfast...a workout and 45 grams of protein is a good way to kick off the day. 

Quite often, new home construction is the result of new residents moving in who are middle class or wealthier, attracted by jobs, a healthy local economy, or other amenities as they leave nearby or far away areas for greener pastures.

I won’t always be healthy enough to earn my way out of a situation.