Another way to make a 20% return

Suppose you buy a house for $30,000 that is in decent livable shape but is worth $90,000 retail. (yes they still do exist in fly-over territory in 2024). Sell with seller-financing for $90,000 at 8%. Your buyer’s PI payment is $623.70. 

What is your actual return on your $30,000 investment? Over 30 years your average annual return is 21% and the IRR is 26%. Furthermore, it is not a rental - you never have any maintenance or repairs. 

OR - you could make 10% or more on your money doing none of the work. How? Find someone who is using this model and needs backing.