I have researched some of the banks the threads recommend; BECU, Sound Credit Union, FirstTech, and a couple of other bigger ones but would like to see what a local bank would offer.

I’ve checked into my Credit Union and Primary bank.

( He worked as a part-time super for a few other much larger buildings so this was welcome supplemental $$$ for him)If you manage properties in the area (say anywhere in the area loosely bordered by Sunset-Park, up to GreenPoint to Williamsburg & Bushwick, down to Lefferts/Flatbush (see red-circled area in map below) let's create a little 'union' to share a part-time roaming Super !

The cream of the crop is Trans Union if you can get subscribed to that. 

I am hoping to use a local credit union to get a better rate + pament terms.for capex/vacancy etc. what %tage of my monthly rent should I take into account?

Once you move into 5 units you are financing a commercial property and would be looking at local banks/credit unions.

That means shorter loan terms, higher qualification hurdles and floating rate or balloon components.Finding financing for multifamily properties in the 5-10 unit range typically means local banks and credit unions, or small balance commercial lenders.

Hello AllAnyone know of a bank, credit union and or lending institution that will provide a HELOC on an investment property in VA? 

Huge tourist presence, but the population on the books is around 6,000 and its a no go at the zip code to most...Typically, your best best in rural areas is going to local banks or credit unions. 

Try credit union or relatives.The lender makes $400 spending as much time as a $1M mortgage (25X).