For HELOCs without W2 income, look into local credit unions or community banks, as they often have more flexibility with alternative income verification and rental portfolios.

That is something a lot of the smaller credit unions lack.

Working with local credit union to refinance at lower than market rates

If you have heard of Africanized bees or killer bees, they aren't in NY; they are only in southern states, likely FL and Texas, and maybe a little further north. 

Hello everyone,I’m a 18 year old electrical apprentice and I’m looking to do a full dive into real estate investing.I am in the union and earning base wage, parking, vacation pay, pension and full benefits are covered.I am saving about 400/w in a high interest savings account right now which is 60% of my pay, I am going to get guaranteed $5/h raises every year for the next 5 years.

Look for loans with lower prepayment fees if you refinance or sell early.On an 8plex, a local / regional bank or credit union may have favorable terms with rates, term and fees.  

Did you use a local bank/credit union or a private lender?

Currently I had borrowed 12.5k to consolidate credit card debt and I can borrow up to 23k. 2) Would it be wise to roll this into my home mortgage so I can get the tax break for the interest and allow for more borrowing power from a credit union?

Federal along with state chartered credit  unions that are not permitted to charge prepayment penalties are also competitive right now on rate and more and more are building out construction platforms, although very conservative on construction originations.  

Generally, your local, community, credit union will have best rates, local decisions and deep roots in the community.