When discussing that and the properties income production, he suggested doing a business loan and I pay my friend the rest through seller finance.

Most stocks, bonds, equities, etc are assets held for the production of income, and are not trade or business assets.On the other hand, traditional, long-term rental real estate is "per se" (read: intrinsically & immutably) passive under tax law. 

They only care about production of 1040s and business returns. 

Here’s a list of credit unions I was told do 75% LTV - I am waiting a few months before I do mine so I’m not 100% sure these CU’s are still doing that product but I hope this list of local CU’s may assist you and I appreciate any feedback!

Is there a better strategy than i stated above or would you change the product?

Man Tom that is a great product.. 

I can help you figure out the rate/terms on specific loan products based on your exit strategy.

Otherwise, it can be a useful loan product.

My work and research focuses on social impact and fintech (financial technology) products that can make housing more accessible and help landlords and tenants achieve financial wellness. 

This products can be used by investors in a limited manner, but they are designed to lend to individuals, not businesses.