Why not start getting free wood chips? Stack them as high as you can for 3 or 4 years bury them in dirt and wind up with burms 4 feet higher than your soil is now. Drift wood , logs etc. Bury them and build it up 10 feet if you can. This is what i’m thinking start with Hugelkultur . Mostly it is hard work and not money involved. If you only plant 30 trees a year you will have the ideal orchard! My only goal ever was to outplant my pests.
Not that i’m advocating it for you, but if i were you and i was driving down the road and saw callery or other wild pear growing in standing water i might ask the owner if i could have some of those trees. The first planting would be water tolerant callery or similar tree on a burm made of whatever i could find. Once you have fruit coming in it is much easier to plan on growing more. The hardest part is starting!