Local banks and credit unions vs big banks

[Mauricio Quintana]

All,

I've heard that building local relationships with banks and credit unions is better than big banks.  What questions do you need to ask to make sure they will be able to provide services to aspiring real estate investors?

Example: I just had one credit union say they don't do 30 years fixed terms. They will amortize over 20 years and have loan maturity every 5 years. This is similar to an ARM, except it wouldn't be interest only. Has anyone ever had this? Also, if you are doing BRRRR on a property, wouldn't an amortization of 20 years really hurt cash flow since payments would be so much higher?

Thanks!