Since you have a decent singing voice, you should consider investing in a small amount of gear that would allow you to collaborate more easily. At minimum, you would need a good vocal mic, an audio interface, and a DAW (Reaper is an inexpensive, full-featured one). Then you can receive tracks over the internet, load them up in your DAW, record vocals, send the tracks back, etc.
What you are looking for right now is a musician and songwriter who has everything but lyrics, who can compose, arrange, and record backing tracks, create a melody to your lyrics, and sing it. I'm sure those people are out there, and you have found one already. I think you would find many more potential collaborators if you could offer yourself as a vocalist as well. To progress you will need to develop your voice, but you have the raw materials already, a voice that sounds pretty good inherently, and the ability to hear and reproduce pitch.