I got a HELOC a while back through Pentagon Federal Credit Union.

Credit cards?

.- Personal Articles: Coverage for belongings that have a special or collectors value such as Jewelry, Furs, Fine Arts, Collectibles, etc...Depending on which company is being quoted, some of these otherfactors may get you credits:- Insurance Score (company pulls certain info out of your credit report)   It is not your credit score but generally better credit will result in a    better score- Time at your job- Education level- time at current residenceGood Luck

I have great credit, and no claims filed in the past 5 years. 

The refinance and repeat.B) Use HELOC to pay off all our debt (car loans, credit cards, etc) about 43k.

I have excellent credit (745) and can provide w2 and all the required documentation.

My question is, are the rates/terms substantially better if I were to look at the local community banks/credit unions?  

I think it was only line of credit like a mortgageHELOC = home equity LOC, which means securedby your home as a primary residence.Mortgage or othe type of loans can be done on investments, but I'm not a lender.Ask @Chris Mason 

How is your personal credit?

I have good credit 800 and a great w2 job with 2 other investment properties (in a different state).Should I just accept the 25% down, or will a conventional bank even offer a 15% down?