Most are reluctant landlords (like me) but then I guess that's better than the absentee landlord  :-)Keep up your spirits and surround yourself with positive people because another the rent day is around the corner and you get to smile on your way to the bank.

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 .

Smile and dial.

I then choose the one I think is the best (which is often times the one that can be tweaked most easily, and then we sit in his office together and tweak it until I walk out with a smile.

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 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.