After talking to 3 different big banks who said "No due to seasoning requirements," I finally got my credit union to refinance with no cash out on the home my parents deeded over to me 3 weeks ago.

My only two options would be another HELOC or a fixed 15 yr equity loan at around 9% interest.Am I missing something or is it just my bank (Navy Federal Credit Union)Thanks,Mike

First of all, thank you so much for your service to our military!  

The majority of workers are union guys up at the mills, ford, BP, etc.

We heard that a credit union or community bank is more likely to work with investors as they are more flexible.

If you know of or have used any banks or credit unions that consider these terms, please let me know. 

Does anyone have recommendations for lawyers who are specialized in tenant/landlord issues, especially familiar with Hudson county: jersey city, west New York, union city, and north bergen? 

Make sure you read all of Chris Mason's info, he answered the same questions you had:https://www.biggerpockets.com/forums/49/topics/481411-brrrr-ohio-lenders-or-credit-unions-or-brokers-oh-my

@Devon Craychee @James Miller - check with Pioneer Federal Credit Union on their HELOC program for investment properties.  

In general smaller local banks and credit unions are more likely to do manual underwriting than big national banks.