Are there no better options, like a REIT's, Stocks, Bitcoin, or other things?

You'll be hard pressed to find a coach that teaches Lacrosse, rugby, cricket, and shot put.Also, a coach is typically used to accelerate growth, not get you started.

This could give me an option as a house flip if the numbers don't work out in my favor for positive cash flow.Target Returns:Given the higher risk, what cash-on-cash return or annualized return should I be aiming for?

The Numbers:Cash Flow Analysis: Investors typically look for properties that will generate positive cash flow—meaning the income from rent covers the property’s expenses (mortgage, taxes, maintenance, etc.) and then some.

Then ask them what your options are to reduce payments in the future.

I'd target areas near colleges or transit hubs for affordable properties, and I’d look into financing options like FHA loans or creative financing to make the most of my capital.

Do you see them as a viable option early on, or is it better to avoid them altogether?  

The challenge, as you’ve discovered, is that traditional HELOC lenders typically want the property titled in a personal name rather than an LLC.

Typically, if they can make it work as an STR they go that route because it almost always generates the most revenue.

Make sure you research multiple options to see what fits best for your real estate goals. good luck!