Hayward, alameda, union city, newark, etc could be the contenders but imo 10years from now they won't hold a candle to EPA's growth.

@Nathan HardenThe last 2 I/O deals are: 10 yr fix, due in 15 with a local Credit union at about 4.5% with PPP of 3, 2, 1,1,1.

Try local community banks and credit unions.

It gets even harder for you and I because we are not local so even the smaller credit unions that I was calling, wouldn't lend to an out of stater. 

Hi, does anyone know a credit union that can do a 90% LTV Heloc for a non owner occupied property in Kansas?

Check with Signature Federal Credit Union. 

Do you belong to a credit union or have a 401k plan you can borrow from? 

Getting a loan from family or friends is out of the picture, i found a local credit union that is willing to let me apply for a home equity loan but that is not guaranteed  and there is also a $300 fee .

Do all banks/credit union need one ?

I am looking for responses from people that has used credit unions in the Chicagoland area and surrounding suburbs for HELOCS.