Currently I bank at the local credit union.

Regardless of my personal situation or that of the properties themselves.I am trying to work with local banks and credit unions; while that is much more difficult to navigate, and the fixed costs of doing so are high, we haven't even gotten to the point of the question of 4 properties or more - which I now need to start asking up front.Problem is, at least in the case of TD, I am even being told they won't do a refinancing for me on this property because of '4 being financed', which seems crazy to me.Does anybody have any ideas or guidance as to how I could proceed to try to pull some equity out of this place?

Definitely look at local banks and also local Credit Unions.

VA loan or Navy Federal Credit Union, perhaps?

So instead of 4.5% at a bank or credit union, the buyers will pay 8% and maybe even 9.9% with you.Now when you sell that loan, the buyer of the note will want to yield 12%+.Plus they will want to see a qualifying package including credit report, job history, etc.

You may want to seek the small, local lender or a local credit union.

It seems a local credit union is the best way to go in terms of lowest rates.

@Chris Mignone @Sally Fairchild Yes, much of it reminded me of my economics 100 class ages ago when we learned about unions: they work great for those already in the union but those who aren't part of the union will find it difficult to join because the jobs are more scarce due to their higher cost to the employer.

I have my business setup in a credit union and was looking to get some new ideas.

,I can't offer much input when it comes to local banks but there are some good credit unions in the area.