Credit union advice: interest on payment and what they look for?

[John Ratigan]

Hi,

I was wondering, how much lending do you think I could get from credit unions?

My fico is 800, I make 45k, my only debt is my mortgage but I have someone who lives there with me and pays rent, which actually nets me 400/month. 

So my monthly income is around 3400/mo. 

I was wondering, what would a credit union lend to me or heck, a bank, and also, what is the interest rate on that money?

For instance, i'm looking for maybe 100k if possible, from multiple unions to get some down payment money. 

The problem for me in doing any deals thus far is the down payment money, and people are just so tight that owner financing isn't even an option in this economy/market in my area. 

Thanks guys