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. 

When I purchase portfolios, I typically have it funded by a small local credit union or bank, e.g. a portfolio lender.

Are there any banks/credit unions that charge LIBOR instead of Prime on HELOCs?

I had to pay this lawyer a $7,500 retainer for them to even talk to me.Obviously this is BS, especially considering out of the 4 units that I have rented, 3 out of 4 of them are occupied by African American tenants, and 1 out of 4 of them are rented to Section 8.

I will talk to my credit union and see the options! 

I know it can be hard to get rural loans unless you are using a local bank or credit union. 

UtahAmericafirst 80% LTV on noo 65% LTV UtahArvest Bank AR, OK, AL, MO Aven…not on investment properties.Bancorp South, Texas Lines of Credit on free and clear housesBank of Southern CaliforniaBank of West (BNP Paribas) 60% LTV CA, AZBB&T will loan on a rental portfolioBBVA, now PNCBellwether Community Credit Union, NH and MA 85% to 100%, draw 10 yrsBMO Harris, 3 HELOCs to 70% LTVBoeing employee credit union Cal Coast Credit Union, CA Citizens Bank -Minnesota, only in-state.

If you finance the purchase of the land through a traditional source bank/credit union most will require at least 20% down.

Well I own one on Union Street, not far from that property.