We're just starting out and trying to find a lender we can build a long term relationship with as we grow and accumulate more properties.

If you read the guides it specifically says that FHA loans are not to be used to accumulate investment properties. 

This usually involves a forced sale of the property at public auction with the proceeds of the sale being applied to the mortgage debt.401(k)/403(b)An employer-sponsored investment plan that allows individuals to set aside tax-deferred income for retirement or emergency purposes. 401(k) plans are provided by employers that are private corporations. 403(b) plans are provided by employers that are not for profit organizations.401(k)/403(b) loanSome administrators of 401(k)/403(b) plans allow for loans against the monies you have accumulated in these plans.

My current goal is to scale.I would like to send money from our personal account into our rental account on a monthly basis to let the cashflow and personal funds accumulate. 

Investing in rental income properties is a long slow path to wealth accumulation.

Even a more modest debt like $50k will take any excess income that a young adult would put towards buying a home and put them 10-20 years behind previous generations, and that in itself will set back their accumulating wealth. this generation is well and truly f*cked.

You can go forward accumulating properties, as you buy a house that will be a future rental. 

He believed he owed much of his success as a writer and researcher to being married to his wife, and in study after study he found that exactly the same is true for most people who managed to accumulate real money in the USA.Although The Millionaire Next Door is Stanley's most popular book, there are a lot of insights in the other books he wrote as well.

It may be possible to accumulate $100K in readily available credit cards, but I'd have to say it's rather unlikely.

But, that's before taxes.What rental property does is generate long term wealth by accumulating assets and having someone pay for those through rental income.If you want to own enough property to quit your day job, you'll have to figure out what you feel is comfortable enough to live on and then figure out how many units you wish to own.If you really want to build a real estate empire, you would have to buy a lot of residential units or large commercial property and run it like a business.