My background is in Military and IT, but I’ve recently shifted my focus toward achieving time and financial freedom through real estate.

I would speak to local banks and credit unions since this is where you might be able to work out a win-win financing solution.

Quote from @Barry Pittman: Being in the poorest state in the union (Mississippi), this has been a topic of discussion for our development team, creating/building affordable housing.

Use a local bank or credit union for financing.

If it doesn't happen in a timely manor the union will get involved.

Was considering doing a HELOC or cash out refi to move on to my next property.Any credit unions or lenders with good rate that anyone can suggest in south florida?

Check out Tennessee Valley Federal Credit Union in Chattanooga for a HELOC.

I'm interested in getting a conventional loan and considering using a credit union. 

I was recently talking to a graduate of one of the military academies who will be moving to the Denver/Aurora area at the end of this year.

She’s only 22 and doesn’t really know what she wants to do with her money she’s making from the military and the healthcare field.