I like to use a community bank or a credit union. 

@Nick Sansivero my company manages as far north as Union County.

But additionally, since you need someone to share their net worth and liquidity to qualify for your loan, they are taking on some decent risk to not be truly involved with the opportunity for upside.At the end of the day, if you are assuming $1mm down, $3mm loan, whether it is agency loan or debt fund or local credit union, they will want experience (and this could be the professional property management company you hire).  

I also found a small local community credit union who will write first position HELOCs.  

In a recent podcast episode there was talk about certain credit unions now offering mortgages to investors that only require 5% down.

For commercial asset classes, local credit unions can often be an excellent resource for more complicated or unique property types. 

My plan is as follows:Keep stuff in my name so I have more lending options and better rates, including credit unions. 

Hey BiggerPockets Community,
I’m an experienced cash buyer actively seeking to connect with reliable wholesalers in New Jersey. My primary interest is in package deals that offer straightforward terms and quick closi...

National banks, credit unions, mortgage lenders and the like.

@Quynh TranI would look for community banks and credit unions in the market where you're investing.