So glad you've already plugged into the Bigger Pockets podcast - that was a huge source of education for me when I first started.If you haven't already, I would recommend finding a real estate agent that you trust (you've already had a few chime in here with recommendations ;), and also start talking to lenders (banks, mortgage brokers, credit unions, etc.)

I recently went to a bunch of the credit unions in Philadelphia (American Heritage, Sun Federal, PFCU, Trumark Financial, PSECU, and Franklin Mint) to see the terms of their HELOCs.

So glad you've already plugged into the Bigger Pockets podcast - that was a huge source of education for me when I first started.You mentioned that you had solid mortgage brokers lined up, but if I could add from experience...I would recommend that you talk to multiple lenders (banks, mortgage brokers, credit unions, etc.)

Unfortunately, prices in my area are crazy, so we narrowed it down to Jersey City, Union City or West New York.

If you haven't already, it would likely be worth your time to start having conversations with some of your local bankers / credit unions about your options around conventional financing vs.

I am targeting  Jersey City, Union City and West New York.

As to your next / first steps....If you haven't already, I would recommend that you start talking to lenders (banks, mortgage brokers, credit unions, etc.)

I really would like to hit 75% does anyone have any small local credit unions in the area that they like doing business with?

However, Patriot, Union, and Concord do, too.Feel free to message me with any questions. 

Have you contacted local small and medium banks, or credit unions?