Real estate is a very capital intensive industry and if you do not have the money the odds of success are very low - it is no different than starting any other business - how many people do you know are successful when they start with zero?

I've had low returns but in general all have made money.

It's very user-friendly, low cost and allows the option to add team members to projects and tasks. 

Choose a multifamily or single-family investment approach, consider low cash flow priority, and monitor interest rates and seasonal timing.

., too low.  

Google something similar to "low cost commission free variable annuity". 

LTR is stable, slow, and risk is low but potentially not as much cash (right away).Comes down to what goals you have and your risk threshhold - I have friends in CO springs who do STR and MTR, and works out great - but also have folks who LTR in that area and it pays for them self and it a great way to save money in places like taxes and build equity.  

Rates are pretty low, maybe $30-50/night.

Since these are high yield DEBT deals at 60% LTV or less on commercial property it’s a RELATIVELY low risk compared to value added or new build equity participations.  

Which is its a low cap rate deal, you might need to put 40% down in order to meet the banks DSCR loan covenant.