And they have GREAT service, seriously its like dealing with a credit union or a single-branch bank.

I've had pretty good luck with credit unions lately.

Typically you will want to work with a direct to FNMA lender that doesn't have any overlays, but smaller community banks or credit unions that service their own loans could work as well. 

You would use their money to purchase, and do the repairs as quickly as you reasonbly can, then go to your bank and get permanent financing (or get your whole mortgage as a HELOC if you can find a bank/credit union to give it to you that way).It'll cost you a few points to the hard money lender, and a 10-12% rate for the time you have it. 

If so, go to a bank or credit union to do a cash-out refi and draw all your cash out.

Will hope to find an agent with expertise in the following areas of northern New Jersey (Essex,Union,Hudson,Bergen) to help with a Cash flowing property.

Just western union me money...

You might need to get with a credit union or smaller local bank bc to get $70k for repairs will be a huge stretch.  

I’m looking for a 2 family home, budget is 350-375k max, and in my area (Hudson, Bergen, Union and Passaic counties in NJ) that has been quite the challenge.

Since you brought up the point, I'll do some research into other banks and credit unions to see if I can actually get a 4 unit instead of just a 2.