Yes $6800 is my monthly income, I am in the military so my income does rise but not significantly.

There were emotional stories about the military, guns, family, faith, etc.

This is very common with local banks and credit unions - they dont have the infrastructure or volume to sell into the secondary market and simply choose not to offer those products in their business model. 

I think for at least one of mine (it's been a long time) it was just a letter that my commander had to sign, basically saying I was in the military, behaving myself, and the Air Force wasn't trying to actively kick me out.

hi @Alvin TaverasMortgage Broker here, i've been referring clients out to Credit Unions for their HELOCs. we have a handful of lenders that can do them, but i'm finding the juice is not worth the squeeze in the broker/ wholesale world.

I am planning to open a HELOC with my credit union soon and use the method @David Dachtera put forth in this thread.

Multifamily is a smart goal, especially in military-heavy areas like Hinesville or Savannah.

In addition to brokers, I would also suggest speaking to 1-2 regional banks/credit unions.

I'm in the military and TX is a place I will invest in one day; I'm not sure if I will be staying in Texas or moving until my window opens up in January. 

@James HumphreyI would suggest speaking to local banks, and credit unions.