As stated above, unless you previously contacted the neighbor and told them they had a dead branch hanging over your home, this is your problem not theirs.

Some of these banks areso small 1-5 branches you may never have heard of them.

Start there it will offer many more options and choices than the 'loan officer' at your bank branch.

Note* Cypress fencing is no longer available since the Wuhan Flu outbreak.Currently, these scrub trees growing taller exceeding my boundary just feet from the rear of my pool cage.The side neighbor (rental house)  has a large oak tree towering high with branches exceeding  my fence and rapidly reaching for the pool area.

It sounds weird, but a vase filled sticks or small tree branches from around the property might be a nice touch on an empty table or counter. 

You should have a minimum of $15k in reserves for repairs.Your challenge is 1. finding a place at your price point (you might want to branch out to Bayonne, Union City, West New York) and 2. finding a vacant place or one with renters paying market rent.

You may also try to stop by your local Bank of the West branch - better than trying to establish a relationship by phone - to see if they offer investment HELOCs in TN.

They can ACH it, walk in to a branch with cash or a personal check, etc.I know a lot of people find these third party vendors convenient, but to me it just puts another link in the chain between the tenant's payment and my revenue. 

With high competition in the Lehigh Valley, I'm considering branching out a bit. 

@Patrick GoebelMy parents live in Spring Branch, just west of you.