An Island from the Start, and I Get All My Resources by Scamming

The protagonist's family is shattered. Both his parents are dead, and he lives as a dirt-poor loser. One day, an accident sends him to another world. Just as he's celebrating that surviving a disaster must mean good fortune is on the way, he learns some earth-shattering news: the previous owner of this body had a similar life, except that after his grandfather died, he left him a huge fortune. But after squandering it, all he has left is a dilapidated island, and he owes a massive amount of money. Just as he gets himself together and prepares to make a fresh start, terrible news arrives...