Also, if I build an insurance agency that would generate passive income for me as I get a % of my teams sales. 

Investing in well built properties that are able to generate positive cash flow with current rental rates2.

These lenders often consider the income-generating potential of the property rather than just personal credit history.Non-conventional Financing: Look for lenders who specialize in non-conventional or alternative financing options.

Built-In Income Stream:Investing in a duplex allowed to generate rental income from day one.

When I started it took a lot of effort to enter enough data to be able to generate meaningful financial reports.

I was wondering what other softwares are out there (like maybe ListSource) that wholesalers use for lead generation?

Investing: Given the relatively low interest rate of 3.75% on your current home, and considering the income it generates exceeds the mortgage and expenses, it might be more beneficial to keep leveraging that property as is rather than rushing to pay it off.

@Evan Polaski yes the cash that I’ve allocated is going into low volatility liquid securities that also generate some yield.  

Has anyone found lenders (preferably credit unions or small local banks) that do HELOCs on investment properties, or are okay with a tax return that shows income generated occasionally on a 2nd home?

I have excellent role-models in my own family of first-generation immigrants who have invested in RE decades ago and now enjoy total financial freedom before retirement.