You can forget any large bank like Wells boA or large regional s I highly doubt with your scenario they will provide any credit to you.then you have the Brokers who are responding.. they set you up with a direct HML that does vertical Rates 10 to 15%  and points 3 to 6.. of which the brokers take 2 to 4 points for setting these up for you. 

Additionally, depending on your unique requirements and tastes, speaking with a local real estate agent might offer insightful advice.If you have more specific criteria or questions about any of these areas, feel free to share, and I can provide more targeted information. 

The take-away here is that it is hard to be motivated to do any activity when it isn't providing a positive tangible return.  

Don't be nervous to call and ask questions, most people are happy to provide clarity so the process can go smoothly. 

Provide an “Offer to Purchase”Buying units of an LLC?

These areas often provide a good balance of affordability and rental demand. 

Also, can anyone recommend a solid accountant for everyday investors who can provide reliable advice and is reasonably priced?

They also have a table that provides rent ranges based on bedrooms/baths and sq footage.

Your post didn't sound like it came from a landlord with 25 years of experience, so I was pointing to the basics hoping it would motivate you to do some research.A quick Google search revealed numerous NJ banks that offer the convenience of opening accounts online.

They could provide valuable insights into which areas are hot for investment and could maximize your returns.