He was healthy but died unexpectedly of a heart attack and the company refused to pay off the car due to some technicality I cried the rest of that day and decided at that moment I was out of there, I couldn't live with being a part of that. 

They're called profit participation/JV terms, and if you plan to give 100% of the money to your borrower, they should be paying you a healthy percentage of the profits because at that point you are their partner, not a lender.

It’s incomprehensible to me someone would spend 10$ per day for decades only to give themselves a painful drawn out terminal disease .ive heard it said by physicians that when you see a healthy lung compared to a smokers lung it’s shocking .

But if you want to build a business around it you must first become a student of the game, surround yourself with experts, and build healthy relationships with people you trust. 

Cash is great but if you have healthy income you don't have to let the lack of a big bundle of bills stop you from getting started - you just need to know that if you ran into a problem, you could access the funds to take care of that problem, and you could pay those funds back in a controlled way without skipping your mortgage payments or having to go to a soup line for awhile. 

That gave you a healthy equity position in your properties. 

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

I've listened to tons of BP podcasts in the last few weeks, probably 40+ hours while I walk my dog each day :) And I've pored over the Beginner's Guide as well as several books in @Brandon Turner's recommended list - "Long Distance Real Estate Investing" by @David Greene is probably my favorite.

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.