What if The Marvel Cinematic Universe was owned by Universal Pictures

We know all about the Marvel Cinematic Universe and its acquisition by Disney but did you know Universal did a Marvel film? yup they did a Hulk movie back in 2002. so it lead to me thinking What would happen if The MCU movies were distributed and owned by Universal Pictures? Lets see some stuff

List of Changes
 * The 2002 HULK movie would be the first film in the Marvel Cinematic Universe
 * Eric Bana's HULK would join the MCU.
 * The MCU would have started in 2002
 * All Marvel films would be distributed by Universal Pictures
 * HULK would have a post-credit scene teasing the next film
 * With Universal holding the film rights to Namor, Namor would be given a full movie to go with the MCU.

Films
Cast
 * 1) HULK
 * 2) Namor
 * 3) Iron Man
 * 4) TBD
 * 5) Return of The HULK

Eric Bana as Bruce Banner/HULK

Jennifer Connolly as Betty Ross

Sam Elliott as Thaddeus "Thunderbolt" Ross