I save money using my military discount at Lowes 

As of now Lower.com partners with Andrews Federal Credit Union to offer the 95% HELOC.

For my own sake I wouldn't be comfortable walking away without at least 20-30k in personal liquidity in a 4-5% credit union acct.

I’m Mike Reis a commercial LO for a credit union in SC with favorable terms for investment RE

So, I was about to do a HELOC and Refi with my Companies Credit Union, but there are stipulations on what the HELOC can be used for, I was told, "you cant use the HELOC to buy a business or another home."

I love that the rate is fixed for 10 years, but the PPP is only 3 - best of both worlds, if you are that Texan: if rates go up, you're protected for a decade, but if rates go down you can refi penalty-free after only 3 years.Credit Union - This is a Washington State credit union, coming in strong with that 30 year amortization producing a lower payment.

I prefer to utilize a broker lender because they generally have access to more unique loans, however I do know some BANKS or credit unions have inhouse portfolio programs available that don't exactly follow fed guidelines, which may also be good options. 

Based on my limited experience, I have found that credit unions are much better suited for this than traditional banks, but YMMV.  

And you also should probably be talking to local lenders, typically going to be local small mid-sized banks and or credit unions.

What's the best credit union in Atlanta to help with funding deals with a personal loan and build a long term relationship?