My non-expert opinion,  or perhaps just rationalizing to myself:These are primarily the "luxury"   amazon dormitories being built in downtown and south lake union areas that are having vacancy issues,   and thats in large part just because of how many are coming online, and how many thousands more are still in the pipeline,    coupled with modest slowdowns in tech hiring.   

Try to time it, line up with Cambridge Somerville cycles (watch out for January, February)I went through this same decision on a union square property.

Also count me in for the next after-party at Union and Finch!

Trans union MySmartMove verifies SSN numbers, and notifies you if there is a discrepancy. 

Can you please recommend a few local banks, credit unions and mortgage brokers that can help me build a portfolio in Indy.

Check out the Fannie/Freddie websites for general terms, or speak with a broker/lender for more specific terms.I've underwritten 30 year am with non-Agency lending sources in the last 30 days (Banks, credit unions, etc.); if the asset is in good shape and performing, and the borrower/guarantor is strong, shouldn't be any problem finding 30am. 

The first three local banks I spoke to either only finance based on purchase and renovation cost or have a 2 year seasoning requirement to refinance on appraisal.Does anyone have a recommendation for a specific credit union or bank that refinances commercial loans based on ARV off the bat, or with a 6 month seasoning?

I recently acquired a 4 families property in Union City NJ.  

Looking for a broker or a credit union avenue.

Start establishing relationships with banks... if you use a local credit union and have a decent amount of savings w them... start there...