If you are willing to consider markets like Wilson, Rocky Mount, Henderson, or Fayetteville you can find some extreme value add properties that when finished will net a higher return than Raleigh ... but that's the risk reward ratio coming into effect. 

Commercial loans (even if they are personally guaranteed) typically will NOT show up on your personal credit report.There is a risk reward.

The "sacrifice now, reap the rewards later" mentality is tough, but it does pay off - I think you're right in wanting to invest money now to use later on a home of your own.

Flipper- High-risk high reward. 

Perhaps I want to reward people that have never been convicted felons. 

In my opinion, banking on appreciation and not being cash flow positive is a potential recipe for disaster.Break even or costing you monthly and let’s say worst case happens - market slides and you have to sell for some unforeseen reason as you can’t afford to top up payments or whatever could happen.Now you’re left with a detriment to your personal net worth, not an investment.Don’t get me wrong, some people have done well buying purely on speculation, but out here in 08/09 many people lost their shirt on being spec purchasers.Weigh out the risk and reward...make sure you do your research and time the market right...buying at a boom peak before the bust can be devastating.

Though it is challenging and rewarding in its own sense, it lacks the financial growth I desire.

Partnerships are not as rewarding as solo adventures but they are also not as risky.

Before you make any decisions you need to study the risks vs rewards and get educated.

The road will be tough but it can be very rewarding depending on how much effort you put into it.