Unless I’m wrong.I thought maybe to buy apartment in 400K range in Miami in some tower and make airbnb from this, I know there is huge competition but a lot of people always coming there for vacation what is your thoughts ? 

I'll say doing your research on landlord-tenant laws is crucial, consider property management if you're not into self managing your property, secure financing, crunch the numbers and prioritize location and property condition when searching.

I point this out because I know there are people out there who are looking into investing in turnkey but hesitate because they are inexperienced as well.

Can you start a fund where people provide you capital and in return you guarantee them a yearly APR in return and provide monthly interest payments. 

I would list them as Rent to Own (more people understand that language then lease option).

You can also reach out to people on biggerpockets who are doing what you want to do.The more people you talk to, the more you'll learn!

On the other hand people keep telling me there’s never a “good or bad time to buy”.Sorry for the barrage of questions but would really appreciate any advice/insight!

They are terrible people and that is terrible music, but that's not how it works.

We're not even "out" people and we spend most of our time in Charleston "out".

I've gleaned these lenders from the kind people on BP.