Try the University of Michigan Credit Union.

Ohio & Michigan were recently highlighted in the rust belt as good values that cash flow. 

@Stephen FlemingFrom my experience working with over 400 investors, your strategy of leveraging a low mortgage rate, tapping into home equity, and diversifying with a short-term rental (STR) in Northern Michigan is well thought out.

I don't know where in Michigan you are located, but I'm happy to give advice or share experiences.

I can speak from experience as a student at Texas A&M, I lived in a 5 br/5 b house and I knew plenty of other students who lived in similar houses or "Ag Shacks" if you will.

In this case, your monthly payment with 20% down will have a good MARKET rate if your DTI works with a much lower month payment and no mortgage insurance(MI).

We use Sun Title and Michigan Investment Title.

@Adedayo Adetunji people that break into a property & occupy it are called "squatters".On September 24, 2014, three new Michigan Statutes went into effect to make squatting a crime and give landlords more options to remove them (see Michigan HB 5069/PA223, HB 5070/PA224, HB 5071/PA225).

@James Wise MICHIGAN UPDATE: new law went into effect January 2, that landlords can no longer discriminate on tenant income source.

How’s your market in MI?