@Calvin Mathews I understand you don't have time to pursue the wholesaling option. Also you mentioned that you rather not risk much of your money. Here is one thing I learn in REI: you will need one or the other, and most cases both to start.
The most passive option that I see (besides lending your money) is buy and hold rental properties. Depending on how you start you need to put down 3% to 20% of the purchase price.
I bought my first property with 20% down and spent 2 months fixing it myself (I hired a contractor to fix the things I am not allowed to fix such as electric). Every day for over two months I will get off work at 430 and go at the property to fix things until midnight before returning to my wife and kid. On the weekend, they would join me to help. This is my experience and it costs money and time. Yours does not have to be that way. You way decide to use your money to compensate for you lack of time by hiring people to do your work, or you can do the work yourself, or a mix like I did. My point here is that you will not get where you want to be if you don't sacrifice the time and/or risk the money. If you are serious about getting your family the brighter future that you mentioned, you will find ways to make/have the time and/or risk the money.
You made a great decision to join this community. Good Luck
