![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/2212758/small_1712105255-avatar-corbind5.jpg?twic=v1/output=image&v=2)
28 August 2024 | 4 replies
I am based out of SLC, UT but wanted to see if there are any good HELOC programs anyone would recommend aside from local credit unions?
![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/3092907/small_1722817316-avatar-jamess1792.jpg?twic=v1/output=image&v=2)
27 August 2024 | 9 replies
@James S. your best bet is a local bank or credit union who knows that area.
![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/1567797/small_1621513674-avatar-bbirky.jpg?twic=v1/output=image&v=2)
27 August 2024 | 12 replies
If you are looking to exit in the near future, there may be issues.I would go to other community banks or even credit unions to see if they can finance
![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/3100874/small_1723761804-avatar-rheaj1.jpg?twic=v1/output=image&v=2)
27 August 2024 | 2 replies
Some local banks or credit unions might have portoflio loans that might be helpful too.
![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/385513/small_1694564934-avatar-vinnyi.jpg?twic=v1/output=image&v=2)
28 August 2024 | 18 replies
As example credit unions can be great, though I have had many clients where the payment is 1% of the borrowed amount.
![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/1609515/small_1621514134-avatar-mattw360.jpg?twic=v1/output=image&v=2)
26 August 2024 | 24 replies
I think you are on the right track comparing options - however I would note that there isn't really a differentiation between "DCSR" and "ARM" - there are a lot of 5 Year ARM options for DSCR Loans so theres overlap - maybe you are referring to a true 5-year balloon bank/credit union type loan?
![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/3096065/small_1723215992-avatar-kristiel15.jpg?twic=v1/output=image&v=2)
25 August 2024 | 1 reply
Local community bank or credit union would be my go-to.
![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/46496/small_1621408746-avatar-jreal.jpg?twic=v1/output=image&v=2)
27 August 2024 | 18 replies
You should not have a problem opening an Series LLC account with a state bank or credit union bank.
![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/1921188/small_1694599743-avatar-jamesm1308.jpg?twic=v1/output=image&v=2)
26 August 2024 | 11 replies
If it's too much you can always move your business to small local banks / credit unions but there is another price to be paid.
![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/20853/small_1621361035-avatar-jayh.jpg?twic=v1/output=image&v=2)
25 August 2024 | 18 replies
Try and use a small Local Bank, or even a Credit Union for any Loans.