You won't get anyone to tell you exactly how to make money. Anyone suggesting it probably hasn't actually done it and the ones that have don't want you competing in their niche.
The other category is people that have done it, succeeded, and now make another (typically large) income from teaching others to make a passive income (for a fee, typically large, of course).
OP's comment doesn't read to me as though that's what they're asking for - they mentioned three potential high-level approaches and are asking for thoughts re: each of those relative to one another.