Buy performing mortgage notes and earn 12% annually.  

There are direct flight from Canada, just 3h10m gate-to-gate.As a starting point, as a local developer that caters to people just like you and all the other people want  to earn some money, enjoy some great vacations and have a place they can direct all their family and friends to, I want to suggest you start by taking a look at ALIVE and Well Resorts.

If history continues to be a good barometer, my savings will earn ~11%.

That is literally the only reason, because his employer wanted a tax benefit.Now, that's a freaking high-earning doctor with a black-and-white contract saying "$20k/month + monthly bonus" and a FICO score north of 800. 

Many, but not ALL are only focused on the commissions he/ she will earn and not focused, on your best interests.

Many, but not ALL are only focused on the commissions he/ she will earn and not focused, on your best interests.

Difference is that customers of Uber are NYC residents who vote while customers of Airbnb are visitors who don't, and Uber drivers earn a full time employment living while Airbnb hosts earn a few extra bucks when they leave town (exception for the businesses set up as Airbnb marketers).  

With no job, or earned income.

REI is a way to earn money so that people can support their families.

ahh... but it is the right thing to do... if you can help residents find a way then you'll earn "good guy" brownie points.