Hi Secretum,
I am not in the US and I live in a 3rd world country. Here I have seen more than one endeavor as you dream made by people with very limited financial resources and still some of them were successful. I apologize in advance if I offend anyone here but in your country people worry about money too much. But, those cases that were successful here had a very important component, they built a community around the project and it was conceived as a group thing. One of the "NGOs" I am thinking is not even a legal entity but an informal network. If you have money, come to poor countries to have a first hand experience on how poor people help each other. You will be amazed. Fuel your solidarity and do not give up please, despite your ADD