I suggest you look at pre-owned long arm set ups. That way, if you do decide to make the purchase and jump into quilting for $$, it won't take as long to recoup your outlay.
Completely agree with the suggestion that you do some practice quilts before you hang out your quilting shingle. Two reasons for that suggestion: 1) Even on a frame, quilting is a lot of work. 2) While quilting your own quilts is fun, quilting for others is that 4 letter word: WORK! You have to get it right, or very close to right, the first time or you will be spending a lot of time ripping quilting out.
I do my own quilts and charity quilts. No money exchanges hands for the quilting. That way my schedule is just that, my schedule. I have control over my life, if you know what I mean.