I own a SFR in Union city, CA.

My credit union union offers a 100% LTV home equity loan product (not HELOC) at 6.99% but it it is only a 10 year amort. 

I am an 8 military veteran and currently in the general contractor field doing remodels.

Perhaps try a credit union or a smaller community bank?  

We have some properties round military bases up here in the high desert in Southern California, we give active military half off of their 1st month. 

Otherwise, you'll need at least 20% down (typically 25-30% down but some local lenders will only require 20%), but to @Mark Bookhagen's point you'll want to call around to a few local banks / credit unions and see what they would want to see from you and what they would typically charge for origination fees etc. 

My brother was 82nd Airborne and I've worked with a lot of Vets and one universal issue I have found is the military environment is not conducive to building and maintaining credit depth or history.

Plenty of others prefer credit unions 🤷🏻‍♂️

Maldonado and Brewer are officers with local chapters of the Service Employees International Union, while Pariset is a policy advocate with the nonprofit law firm and advocacy group Public Advocates in Sacramento.

Zev Dobuler I randomly see on the forums from time-to-time people talking about using credit unions.