If you know of or have used any banks or credit unions that consider these terms, please let me know. 

Does anyone have recommendations for lawyers who are specialized in tenant/landlord issues, especially familiar with Hudson county: jersey city, west New York, union city, and north bergen? 

Make sure you read all of Chris Mason's info, he answered the same questions you had:https://www.biggerpockets.com/forums/49/topics/481411-brrrr-ohio-lenders-or-credit-unions-or-brokers-oh-my

@Devon Craychee @James Miller - check with Pioneer Federal Credit Union on their HELOC program for investment properties.  

In general smaller local banks and credit unions are more likely to do manual underwriting than big national banks.

I'm interested in investing in either Middlesex, Hudson and/or Union counties.  

I'd talk to some credit unions around you locally. 

hello,I want get a Line of credit on my home, and I prefer to work with a credit union.

Generally you are going to find smaller banks and credit unions will do them.

Fremont/union city too expensive to have positive cash flow (willing to do 25-30% down).