I have researched some of the banks the threads recommend; BECU, Sound Credit Union, FirstTech, and a couple of other bigger ones but would like to see what a local bank would offer.

I’ve checked into my Credit Union and Primary bank.

.🏠 I have been interested in real estate investing since I got out of the military ~4 years ago.

( He worked as a part-time super for a few other much larger buildings so this was welcome supplemental $$$ for him)If you manage properties in the area (say anywhere in the area loosely bordered by Sunset-Park, up to GreenPoint to Williamsburg & Bushwick, down to Lefferts/Flatbush (see red-circled area in map below) let's create a little 'union' to share a part-time roaming Super !

I used to work near SW Military and New Laredo highway in a low income area and absolutely loved it.

The cream of the crop is Trans Union if you can get subscribed to that. 

This is of course for a primary home but its a great way to get into the game similar to VA - Military 100%.

I am hoping to use a local credit union to get a better rate + pament terms.for capex/vacancy etc. what %tage of my monthly rent should I take into account?

Once you move into 5 units you are financing a commercial property and would be looking at local banks/credit unions.

So, active duty military, big pharmacy salesman, contractor, or just a traveling trust fund kid, where you are gone the majority of each year but still consider “x-city” to be your primary home/place of return, you’ll be stripped of your license.