Banks/credit unions/“portfolio lenders” will usually require loan applications, financial history docs, other various paperwork before being approved and most take a bit longer to close.

You should speak to the commercial loan departments at the banks and/or credit unions.

I took out a home equity with one credit union and they went off the tax assessement, which in my case was substantially higher than what an appraisal would have come back with.

When people call on that ad, they tell them they are out of town, just drive by the house, peek in the windows, if you like it call back, email me your app with all your personal info on it, and Western Union me the 1st month's rent. 

Has anyone used Western Union for a wire transfer for a closing? 

This is one of the reasons why I believe teaming up with a mortgage banker over a bank or credit union is more beneficial to investors and consumers.

Hey all, I am about to go under contract for my first multifamily property a 6 unit building in Union County, NJ. 

Keep calling other banks and credit unions.  

I think your best bet for something u can do right now would be to attend local metups in your area. network to other investors. try to develop a relationship with your local credit unions.

Try smaller community banks or credit unions.