Hi, I've searched through a lot of credit unions and other banks and the cap on the HELOC amount I'm seeing is 250K.

I would suggest speaking to local banks and credit unions.

Choose secure communities like West University, Rice Military, Bellaire, and Montrose that have strong rental potential and are close to Rice University.

Cashflow markets are still easy to find, it sounds like you're after stability - buy near a military base. 

In general if sellers are looking for a larger down payment we try to introduce them to local credit unions or lenders that can utilize compensating factors for qualifying on more favorable long term financing solutions. 

Separating from the military after 13 years.

Some of the smaller banks or credit unions around here are offering 20-year amortization on land.

Anyone have recommendations on a local bank or credit union to use for a refinance in Baltimore?

Banks or credit unions often offer ARM programs and 25 year programs.

I am looking for multifamilies at Union, couple parts of Essex and lower part of Bergen.