., Pen Fed Credit Union does HELOCs on investment properties.

I'd recommend trying 3 or 4 credit unions (Palmetto Citizens, AllSouth, etc) and asking them.

I have heard credit unions are the way to go but open to other options too.Thanks. 

Looking to see if anyone has recommendations as far as the local banks or credit unions in or around Hudson County NJ to finance residential fix and flips as well as commercial loans. 

We meet the second Thursday of the month at 7:00 at the ISU Credit Union on Sunnyside. 

Getting prepared ahead of time by shopping around with different maybe local community banks and credit unions for refinance will be something you should be doing ahead of time. 

Credit unions are supposed to be pretty good down there. 

If I only have $40k cash available, would you recommend a personal loan or line of credit from a local credit union?

Hey Chadd, For my buy and hold properties I like to use local credit unions or portfolio lenders.

@Joseph GarnerI know this isn't the sexiest answer, but when I first got started looking for commercial lenders, I basically googled all the credit unions/banks in my state and called each and went down the list until I found one who first would lend on the type of real estate I was buying, second offered competitive terms/rates and finally I had an initial good vibe with for a long term relationship.