This x1000
I was going to mention that in my response and left it alone. Getting a machine for less than a regular shop on a 10 year loan would be paying yearly in principle only is just incredible luck. Every shop that has one would be so lucky.
You can buy a boatload of tooling for 100k. lol
Same with my grandfather and Father, they designed and manufactured things for NASA, rockwell, rocketdyne over the years and never had a cnc machine anywhere.