Up front, queueing in W-Europe afternoons to midnight.
It seems to me that nighttime factory servers are free money, providing you slap on even the cheapest NVG. I have done this type 20 times in a row now. Once i was queued with 2 other players. about 10 times i was queued with only one other player, the rest i joined an empty server.
Factory loot seems dismal, but only because you have to share with 5 pmc's and player scavs. alone, its a gold mine. supplement this with random scav gear and you are making an easy 400k every 10 minutes in addition to hitting up a safe every raid, with implications for tasks evident. Add to that the many many scavs you are free to loot undisturbed and items like pestily masks, sherrif stars, igolnik, etc. flows freely
If you go in with average gear and a NVG, even if you win 30-50% of all 1v1's and don't die to scavs, this might be the most effective way to farm cash.
Edit: save for the lucky bitcoin i got from a jacket,