Don't be depressed, just go and buy an audio interface thats at LEAST $200 or so, I suggest an Audient Evo 4 that $130, wounds great, and is made for beginners as it auto sences whats plugged in and smart sets the gain, then second most importantly, buy a midi controller to plug into it. They are CHEAP, like about $100 at its cheapest, just make sure it's an 88 key one since you can't play other instruments, 88 keys will allow you to play all octaves of any instrument without have to constantly having to switch octives with one hand. Just to be clear, an 88 key midi controller will allow you to play almost any instrument you want with both your hands. From percussion, to a full on orchestra. It will change your life as someone who wants to not only learn instruments, but be a producer. Then get a sustain pedal for it for piano. You'll 100% need that or your piano playing will sound horrible, or at least unnatural. Then if you're on a mac go to Garageband (Which I recommend, as it's extremely easy to learn, yet it allows you to do most things, it's how I first learned, and if you're on PC get Reaper, then go to Youtube and type in how to use a midi controller with whatever version of Garageband or Reaper that you have.

Start with learning drums. It's not the easiest, as I'm a professional drummer (I mainly play prog rock, but I can play all stypes) who also plays more than 10 instruments, so I would know. BUT it is the one main instrument that you don't need to learn music theory to use, you just have to.. do it, and listen to music and try to replicate drums as much as possible. Stay away from loops if you can. That's lazy and lacks the soul and feel that's only in YOUR touch, that's what makes one drummer and musician stand out from each other. Their feel. Don't be lazy. Just work on it, and have fun above all. This isn't work, it's fun. Fun that you can also get paid for in the future. Then learn basic music theory. It's not hard, just a bit of memorizing. If you don't learn music theory, you will be a chicken without a head for YEARS. If you want to make music correctly? Lean music theory. Ignore the writting and reading parts of music too btw, that's not something you're going to want for what you're trying to do, and it's how beginners usually overwhelmed themselves and give up. You're trying to make Lo-Fi music, not a choir ensemble. lol Just as long as you know your songs key, and the chords, you will be able to play it back and someone else will be able to play it. Also write down what note are in specific melodys and you're fine. Guess what? Midi will tell you the exact notes you played. So that's nothing to even worry about. Then pick either piano, or guitar, and learn that. Which, once you've learned music theory, you'll see that with a little thinking and a chromatic tuner to find the tuning of strings, and to tune them of course, you can play most instruments within a few minutes. Of course you'll need to practice almost daily or at least weekly, it's all a journey, a big one, but a fun one. Be excited, not overwhelmed. Don't let anyone put you down. Above all though, believe in yourself. Also, learn to be an artist, not a cringy stereotype, but a real artist, and apply it to your music. A musician who isn't an artist, might as well be generic drum loop with a pulse. Remember, if you want to learn and don't know how, Youtube will teach you almost everything and have a series for almost everything, and Reddit is filled with know it alls who will jump at a chance to teach you something so they can selfishly get the most up votes and feed their ego, so with that said, Reddit is a GREAT place to ask questions, lol because people here will jump at the chance to answer your questions, and if they're wrong, they'll quickly be corrected. lol

Lastly, if you want to do Lo-Fi. Why not get a 4 Track Tape Recorder? Just remember it mayyy need maintenance, and will need maintenance in the future, but it's cool and fun, and you can make a whole song without a DAW. Since you're beginning. I do recommend a DAW though. As it won't need maintenance. Then you can get a lo fi plugin and put it over everything to make it sound lo fi, as things won't sound lo fi immediately, unless its going thru a cassette tape 4 track recorder. So a 4 track tape recorder plug in should do it. Then lean about compressor plugins, eq, then tone shaping eqs (which are different then normal eq) and saturation plugins to glue it all together. Oh the best $100 microphone you can get that sounds amazing is the Shure sm57, its the cheaper version of the Shure Sm7b, which in my opinion, doesn't sound as good, remember, the price of something doesn't dictated how good something is, but also check out the Shure sm58 for a more "live" sound, which sounds great too. Just not as good as the sm57 in my opinion. You will also need a cloud lifter for both microphones to give it enough gain. Then, in the end, don't make music that sucks, use not only your ears but your brain too, and be realistic and don't look at anything you make with rose colored glasses, then you're mostly good.

I hope that helped you a bit! :)