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Nanofactories turn metal into money when no modules at that same hab are under construction. Hospitals are good as you found but use boost, but boost is easy to build in nations near the equator, Singapore being a great choice. Setting up habs with nothing but Media Centers generate tons of influence, which you can then use to pump even more funding through DI.
In my last game I was netting something like 10K a month by the mid 2030s or so while running a fairly large space economy and lots of universities as well as several of the really expensive orgs like CIA or DARPA. I think I was grossing something like 10K a month from funding alone.
You just want to avoid running out of resource completely.
But money I specifically will go into negative income a number of times, usually when upgrading everything from teir 2-3 and when I reach mercury and am building out there as fast as I can. Also big fleets that I throw at ALEIN stations and expect to loss a lot.
I had vast amounts of cash by end game and I don't think I was every short of money outside of the early game.
If you max out media centres you can get get allot influence, that buys allot of funding. So throw up 120 mc of them around earth and you get 1k funding from it, with pay off of 1-2 years
Take care of your countries, invest in their economies. Boosts their GDP used to calculate investment points which makes it easier for you to direct their funds to your pocket. It's like a retirement fund. The longer you've been putting into it, the more you'll be getting back.
Otherwise go to Mercury and build some ring habs. The cheap and abundant power makes it easy to spam modules that make money and science.
Well your idea has been nerfed in ver4.32. About the only thing you can still build at Mercury are the nanofactories. And they use up your resources which are also capped now.
So it is a real trade off. The research modules now have to be built at earth and almost all the rest of the money generating has to be done at earth. Where it is also not very cost effective to do so. Not like at Mercury.