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.

There's certainly an undertow of greed prevalent in the world and this industry is not immune to it; and for that reason I ask, when is enough enough?

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.

It is tight but if you are willing to live there for a few years, do the work yourself, and it gains some healthy appreciation you could do alright.