I was fortunate enough to have some money saved from working in college but my parents co-signed which was instrumental. 

We ended up going away from the traditional fund set up and started doing 1) a separate LLC fully owned by the investor where we simply were named manager and managed it for a fee (for investors over $250K) or 2) a simple fixed-return debt instrument for smaller investors that we couldn't properly diversify where we paid a fixed percentage for a 12-36 month term with quarterly interest payments and the full balance at the end.

Since we've lived here, they constantly have other kids over blaring rap music, smoking and drinking in their front yard and overall causing perpetual noise disturbance.I look at all of this through the lens of an entrepreneur who has to do what is right for his business.  

Try to see short trailer of 1996 musical comedy on youtube "Joes Apartment' about roaches taking over and dancing all over the apt. 

I also invest in equities outside these instruments but primarily in sectors where I have an edge, by that I mean either I have worked on those sectors or am very well networked to get educated in those.

When a charter boat is out the music is blaring and people are dancing on the decks.

(ii) A debt instrument, deposit, stripped bond, stripped coupon (including a servicing right treated for federal income tax purposes as a stripped coupon), regular interest in a REMIC or FASIT, or any other intangible treated as debt for federal income tax purposes.

Work from home, sell online, become a TikTok influencer, have an Amazon storefront, self publish books, music and how-to courses.

Can you get 5% with other financial instruments if you look here and there, sure.  

Happy Birthday Josh, your a lucky man that this isn't a music forum so you don't have to hear my terrible singing. haha.