I Own a Multi-Family, Now What?

[Keisha F.]

I've been browsing through the forums trying to get answers to my many questions and have had some success but I wanted to post all of my questions here to get more specific answers. 

So, I currently own a 4-family brownstone in Brooklyn, NY. I bought it in 2012. I have a great rent roll and profit from this property. I bought the house with NACA, first time home buyer program. I stay in one unit and rent out the other three. My ultimate goal is to gain full financial freedom through real estate. I want this to become my main or only source of income. I have about $20k saved and great credit but I don't want to use my savings or use my current property as collateral. What are my options to invest in real estate further? I live in Brooklyn, NY so the price of houses is astronomical. So here are my main questions:

1. What type of real estate investing can I do with little or no money (I.e. Flips, Vacation Rentals, Rentals, etc)?

2. Being that I live in New York, what areas near me would be affordable and within reach to be able to manage?

3. Hard money vs Private lending, which would be more suitable for my specific situation?

Thanks for all your help in advance!