Are you looking for steady, low-risk passive income now, or are you comfortable taking on more leverage to scale faster?

If you purchase with 20k you will be paying PMI and the returns are too low. 

Yes, people see the low price tag on these self-service options (there are a few more being marketed here, not going to put them on blast) and ignore CPA guidance to go with in person option and it is now coming back to haunt them.

Set up a contracts account at both Lowes and HD. 

A duplex strategy is a low-risk entry, saving on living expenses.

If you want to work with multiple agents, those agents know there's a very low chance of ever earning a dime, so they won't waste their time.Agents do much more than find property.

There are a ton of scammers, liars, and low-quality humans in the group.

Is it possible to keep my land loan out of it to keep the total cost low?

There are approximately 28 Multi-family duplexes active on the MLS ranging in prices as low as $50,000-$219,000 with a median rent of about $929.

Investors tend to buy more often then regular home buyers BUT if your area the investor price point is low you would have to do a crap ton of sales to be close to regular sales.In commercial if you love working with numbers you can usually just work weekdays during the daytime and no weekends.