I love credit unions. 

I am retiring from the military and am planning to move to Calhoun County in Alabama next year and have started really looking at the list of delinquent properties and just made requests on 10 different vacant plots, ranging from 2009 to 2015 tax sales (to the state).  

I have two kids under 1.5 years old, work 50-60 hours a week, and I’m in the military part time, so it’s ultimately a lot to keep track of and I want to set myself up for success and not screw myself in the long run. 

A bank, or credit union, or anyone issuing a mortgage, can earn 5% interest from treasury bonds, or a money market account.

(Mobile, Al) The two banks I tried to see what the numbers would be regarding a cash-out refinance, they only do 75% of the purchase price + construction cost and not 75% of appraised value that I’m used to.I did try a DSCR refi, and after several paperwork being submitted, credit score ran, appraisal bought, only to have my numbers change before signing the docs for closing-so that was a dud.My question, who do you know that’s a reputable Union or bank that’s doing at least 75% of appraised value?

I work with a ton of developers and investors in NJ, specifically northern NJ (Bergen, Hudson, Essex, Middlesex, Union county).

I am in the middle of getting a loan with a small credit union in my area, and recently rates dropped and I asked my lender what the rate was now and he said it was the same for my deal.

Preferably a local bank or credit union in the SE FL area that is friendly to real estate investors.

Please note if your active military the timeline is a bit longer.  

@Ben Russell - Try the local credit unions like ENT, Bellco, or Canvas