I would go to the bank or credit union where I have all of my accounts.

(Avoid big banks, try local banks, credit unions, or mortgage brokers.) 

I've been using Local Banks and credit unions (Portfolio lenders). 

You can start one up with a local credit union or the bank that you currently use to hold your money.

So Heather,If we work these numbers backwards, use $800 rents and  use conventional financing I'm currently getting through a credit union, which may not be what you get.

I'm looking for a 2 or 3 unit property (of which I would occupy 1 unit) with access to parking in a decent neighborhood within Hudson, Union, Passaic, Bergen, and/or Essex Counties. 

We pick it up from there and immediately deposit the rents into our business checking account at a credit union three blocks away.

However, some credit unions and community banks in certain areas of the country are willing to go up to 85% or even 90% LTV.My recommendation is to look up community banks and credit unions in your area then go to the rates page.

That looks about right for a 20% down conventional Fannie/Freddie loan.You might be able to get the % down a little bit but I'd expect to be mid 5's.This is assuming it's an investment property that you won't be occupying.I'd call some of the smaller local banks and credit unions in your area.

Go to your local banks and credit unions.