Union pipefitter in the Portland, OR metro.

I want to get a HELOC on my primary residence and need at least 90/10 LTV to make it worthwhile. (95/5 would be even better but I’m not sure if that’s realistic.)I always hear people say to look at local credit unions for the best terms. I live on the Maryland side of DC.Can anyone recommend a credit union in this area?

If you live in the same area as the properties, I suggest going to your local bank or credit union. 

Consider small local credit unions.

This is the gap any serious investor should address in Kenya and other African countries.

I found 1 credit union (Redwood Credit Union) that looks like they will do HELOCs for investment properties, but I'd love to hear from the community if you've had a good experience with a bank or credit union doing a HELOC on one of your investment properties.Thanks in advance!

I was advised by a local credit union that I would need to go the SBA route to be able to include the income related to services in the underwriting.

If you can develop a relationship with a community bank or credit union they are more likely to be flexible on their lending requirements.

Called one of local Meriwest Credit Union and asked if I should apply HELOC as Primary or Rental but answer was kind of Primary since it is Primary now.

I have been through 10+ banks/credit unions that tell me they can't help me.Property was appraised at 450k (not including value of structures), currently owe 63k on an AG land loan with a 4.65% rate.