Rolling on produces a stipple finish and not a high gloss smooth finish.

My dilemma is: I need to invest relatively soon, and saving probably won't cut it so I have to get innovative to grow capital exponentially. 

I'm going to give my LO some time, but if they don't produce it, I'm going to talk with my attorney.Thankfully I'm using equity from another property that I own F&C to satisfy the 25% down payment requirement.

I have also heard when going to a local bank to get a portfolio loan you should have a business plan to show the lender and convince them that your investment will produce positive returns resulting in a low possibility of defaulting on the loan. 

If I am understanding the above correctly, does this mean that we should buy a more expensive property for our first, perhaps a triplex with three income-producing apartments, since that is our one opportunity to pay only 3.5% down?

@Charles Worth,Just curious as to why you think it might not end well.No investment is guaranteed to produce a return and all investment involves risk, especially the risk of loss including, but not limited to, the amount invested.

Whether a property can produce positive cash flow in the immediate or near term is a secondary consideration and not considered a deal-breaker.

And you want to know how long it will take for the bank to recognize the income that property is producing and use it to write you a loan.Immediately. 

I have not invested in Globe, but I have look at deals there, but I have invested in Nogales, Florence and Douglas which are very desert, small towns, when I drop $450k in Douglas my partners taught I was crazy, buying a 12 units, well I was crazy happy that I was Cash flowing great money and now just sold it, so I bought in Nov 2011 $450k sold in March 2016 $670k which made me a bit happy, never put a penny into it either. ( my partners now call me desert king and I like the term )  

Nothing really innovative or earth shattering.