If you have any questions about anything in regards to REI, I do work in Bergen County, but I do most of my work in Union county.

Hi Mike, I am currently working with Evergreen Credit Union to obtain a few commercial loans.

The best I've gotten was 4.625% with a credit union for MF investment properties.

The interest rate was good from my credit union.

BECU up to 75%, capped at $250,000First Tech Credit Union up to 75%, no capSound Credit Union, unknown

Safe Credit Union, US Bank, El Dorado Savings, Golden Pacific Bank.

Regardless, what I'm trying to say is that you don't have to follow the same path but talk to several other lenders as there are options with smaller credit unions if you're strictly looking for buy and hold without having to do rehab.

@Corey Cetto contact as many local credit unions as you can.

After talking to 3 different big banks who said "No due to seasoning requirements," I finally got my credit union to refinance with no cash out on the home my parents deeded over to me 3 weeks ago.

My only two options would be another HELOC or a fixed 15 yr equity loan at around 9% interest.Am I missing something or is it just my bank (Navy Federal Credit Union)Thanks,Mike