Plus we didn't have worldwide telecom infrastructure and later the internet that would facilitate outsourcing, so the labor market was more able to unionize and assert itself. 

You'd probably have more opportunities to use it in Arkansas but there are also areas on O'ahu that are USDA eligible.Another option though is a local credit union here is offering a 30 year fixed loan at 4%.  

Transfer fees are generally more expensive than Western Union, and if they can’t beat that, then the only thing it’ll be good for is Russian oligarchs, hackers, pyramid schemes, and laundering drug money.

Also he has several revoling credit cards (around 11 from various banks, credit unions, and stores) he said he is slowly paying off.

We got an HELOC at a local credit union.

Start talking to multiple mortgage brokers now, try smaller banks and credit unions.

@Britt smithYou need a mortgage broker.Trying to navigate the myriad products and programs out there, whether it's for STR or LTR or from a bank, credit union, mortgage lender or even the different guidelines for DSCR loans that vary from each lender, is not for a novice. 

These days, credit unions have the best rates on HELOCs.

I had my bank mess up my property tax payments once and I made them write a letter explaining that they messed up and pay any late fees and they did.For the others, I'd talk to another bank or credit union to see if they are willing to work with you to transfer your mortgages over to them. 

Would love any tips on getting great terms and recommendations on local banks/unions.