Has anyone found a bank or credit union that offers high HELOCS with high LTVS?

-Don't skip insurance! 

I offered asking price due to multiple offers being put in How did you finance this deal?

You could set up a “deferred down payment for 12 months” or have a stepped up down payment (so much per month until number is met) It's really whatever makes sense for the two of you.Things to consider, property taxes have to be paid, repairs have to be made, vacancies have to be accounted for, insurance has to be in the name of the person on title.

I've seen individual municipalities offer those same protections despite the state not offering them. 

I always say to go follow different people that offer STR masterminds/courses on social media, and whichever one clicks for you and has similar goals consider joining the group.

As a fellow investor looking to expand my portfolio, I was intrigued by your offer to assist in sourcing potential deals in the area.I've been actively educating myself and analyzing investment opportunities, with a focus on buy and hold multifamily and commercial properties.

First, we really should fix the health insurance system (we don’t really have health care system its an insurance system).

Every system you try will have flaws, or you may salivate over a feature that appears in other software.Some familiar names are mentioned frequently: Stessa, Apartments.com, RentRedi, TenantCloud, Innago, RentManager, Avail, Rentec Direct, Doorloop, etc.I recommend conducting thorough research on each app online to understand their offerings, pricing, etc.

Is your DSCR ratio greater than 1-meaning are you cash flowing (according to the lender's criteria of mortgage, property taxes and insurance (and HOA) if applicable).