With less money you can use strategy to out manoeuvre, mine new coins early, pick dead ones that you think will be re-born, as the ladies say it's not the size of the rig but how you use it. And as above you are very late to mining better to think outside the box to get coins.
This.
You're better off investing a small amount to begin with than straight up dumping 20k into this.
I've only been doing this myself for 3-4 months, but I've only got about $450-500 invested... And I've found it much more profitable to mine altcoins right after they launch and then trade for BTC/LTC than it is to mine the major coins directly