If you are looking for monthly income, you have two choices, and one is dividend stocks.What's the best way to generate monthly income if you are retired? There are two big-picture methods when it comes to stocks. Either buy enough quarterly dividend-payers that you get dividends each month, or just buy investments that pay monthly.If you choose the latter route, you'll want to take a close look at Realty Income (O 0.77%) and Agree Realty (ADC 0.30%).Here's why. 3-to-1 is a tough ratio to ignoreIn order to ...