Finding a really good property manager is also time consuming.

If this is for their primary residence, there are some issues with being a compliant with Dodd Frank as a consumer lender.  

I like the idea but I could not consumate the deal in four years without her consent?

I would think developing in the mountains of Colorado would be time consuming but lucrative in that getting permits must be difficult, but tenants will pay higher than average rents.Mark

I have looked into the process and while it is time consuming.

REPEAL.The Dodd-Frank Wall Street Reform and Consumer Protection Act (Public Law 111-203) is repealed and the provisions of law amended by such Act are revived or restored as if such Act had not been enacted."

Managing SFR's is not very time consuming once they are rented.

@Adrien S. what are you going to add or take away when you custom build your platform? 

Most states have strict regulations on consumer finance and hard money lenders wont lend to individuals for this reason.

Also if you did put $20K into the property, it would consume 8 years worth of cash flow.