How to make money without any start-up capital

1) Take a loan for an apartment without a down payment for a longer period of time.
2) For the acquisition of apartment tenant shall immediately.
3) Rent covers the loan payments and a little more left to life.

Total, after a finite number of years - you're a homeowner, not invested at the start of a penny.
Another thing is that in Russia the interest rate on mortgage loans - 10%, making it impossible to obtain more than the rent payments on the loan. So as a business, this method should be postponed until the fall of the credit rate to 3-5% or up to raise the rent to 105 % of the payment on the loan.