I found Vectra Bank located in Colorado but also Pen FedCredit Union, they both offer up to 80% on an investment property and I believe Vectra is prime + .5 and Pen Fed is prime + 1. 

I am from Waukegan, Illinois in my late twenties, working for a credit union at the moment.

From what I heard, banks and credit unions tend to decline loan applications from self-employed people because we're viewed as high-risk.Are there any best practices or tips on how I can improve my chances of getting a home loan?

Contact Member Business Financial Service (google it for their website) they work with a bunch of credit unions that may be able to assist.

If you need a recommendation for a local bank on the refi --- I'd suggest Credit Union of New Jersey. 

I am a GC out of Union County. 

I am looking for recommendations for a vetted GC and Structural Engineer in Northern NJ, preferably within the Hudson, Essex, Union, and Bergen county areas.

Go to a local credit union and they can talk you through the process

My local credit union offers a max up to $400k for second mortgages only as well.

My local credit union offers a max up to $400k for second mortgages only as well.