Talk to the person who sold you the deal initially to see if they have a recommendation for a lender (local bank, credit union, DSCR guy, or Hard Money).   

There is a lot more grey area in commercial and each bank, credit union, agency, and private lender have different credit criteria.

We've done this personally on refis with just a lease,  but through a local credit union so I'm sure it's different. it seems like there is a lot of potential problems this would create for the owner, tenant and PM if the lenders have to have a signed lease and all funds upfront, before the loan is closed.

check with @Jayson Cain or @Marland Richardsonorrrrrrr since its in IN check with @Staci Rogers at IU credit union!

Hi to all I am a brand new to this BP and a completely beginner investing in real estate.I have applied for a second mortgage for my next primary residence and on the process hopefully closing at the end of August (brand new home), now I have contacted some credit union to apply a HELOC and advised me to apply before closing of my current primary home.

@Hector LewisWhat kind of lender did you use and have you tried the local credit union?

In fact, the Spanish economy has been doing quite well in a European Union context over the last few years.

(biggerpockets.com)Smokies state of the union (biggerpockets.com)Smokies STRs: The State of the Union mid 2022 (biggerpockets.com)But I thought Gatlinburg was recession proof?

Talk to your local bank/credit union first to see if they do such a things.

Is it better to use a Bank or Credit Union?