My goal is to accumulate income generating assets producing me $20k per month in income.

You would be surprised at the different loans and products these credit unions have.

Some banks may have a portfolio product with different down payment requirements but it will not be a conventional loan. 

It's not a good feeling leaving equity sitting there, but it *is* producing a decent cash flow, which makes us comfortable.

For both options the treatment will be using the same method but different product / chemical being used.

And while it sounds good at first (total rent, total cash flow) - you can literally buy a duplex that will produce the same rent with just two units.

Happy to get you in touch with a couple lenders that can answer any questions you have and fill you in on the loan products they offer, shoot me a DM if you want their contact info.Great initiative, and you should be well on your way to financial freedom with that level of income!

They make most of their money from the future sale of their products, although I'm sure they make a bit off the hardware and training, as well. 

The good is it was producing roughly a 10% return a year with mailbox money.

@Thomas Don also I agree that banks will start lending on this more freely in the future it is very difficult to use this income right now for a conventional loan product and it is a problem