Sometimes, local credit unions or smaller regional banks can offer more competitive rates, especially for strong profiles like yours.

Find out what you qualify for from a loan officer or credit union. 

If you work with a local community bank or credit union or some lender that doesn't sell to Fannie/Freddie in the secondary market, their guidelines and pricing could be different on this matter. 

Hi, I got in contact with a mortgage agent from Royal Credit Union, they helped me run some numbers and gave me this as an estimate.Is this a good rate?

House hacking and FHA loans can help qualify for lower down payment loans, while local banks and credit unions offer favorable financing options.

I'm sure MLS has brokers for smaller multifamily deals.We like to use community banks and credit unions for financingGood luck

.), plays a big role.Generally, there are three main refinance options for BRRRR method investors: Conventional loansBank/credit union loansDSCR loansConventional loans are generally defined as loans originated under GSE (Fannie Mae/Freddie Mac) rules and guidelines and securitized.

I'm in the union on long island so I have a decent W2 job to help get started, I think a house hack would be my best bet starting out but, what do you guys think?

Look at State Employee's Credit Union (North Carolina) and check out their mortgage products.

I look at big banks and credit unions that BP users say have recently extended a line of credit for rental houses.