What would be my best approach, I assume find a private lender and work out some deal with them.

pretty small hurdle to have a good win as a private lender just get paid as agreed.now equity participation loans those can spin the needle pretty well ..

That’s the best bet.

Hahaha I'd bet anyone under 40 doesn't even know what that is :D OK.

Ok so a diff path then my previous post.I also wanted to invest in real estate but just assume( and bet is probably true) that most of the people that find truly good investments have  either or all of the following the most "average joes" don't:1.

Loan Origination Systems (LOS): What works best for mortgage and private lending?

You can save a lot on costs if you do many repairs yourself.Look into hard money lenders or private lenders for the initial purchase and rehab.Connect with wholesalers, agents specializing in investment properties, and other BRRRR investors to find deals and learn more.

private money lender How did you add value to the deal?

Nothing really appealing to me as an accredited investor. let's refine your approach.Contrarian bet on B class office needs to be 50x equity or something

I doubt you'll make 11% with the S&P, but it is probably still your best bet.