Hi everyone,Looking for some referral from people who have used local banks or credit unions in the Houston area preferably west part of Houston.

He has been one of Matt's best friends for almost 30 years though, so we weren't at all concerned with him possibly getting information about our account and It was a small local credit union. 

Not bad as he has a realtor beating the bushes and great credit with hard money people ready for every good he finds.  

The best thing you can do is go talk to a banker- I'd recommend at a local credit union.

We do 5% down with no PMI at our local credit union.

I would rather have a business line of credit but if anyone knows of someone in the Bergen County area that gives great rates for loans please let me know 

With no experience start small and go through the process first.On multiple units there is a lot to consider and first look at price, condition, up or down market and your own credit situation.If you have not rented to anyone yet, you do not want to learn the hard way.  

how to obtain rental properties with no credit or money?

This is not exactly an answer to your question, but might be useful information for you to have if you are forced to make improvements to the building to comply with ADA requirements.There is a tax credit worth up to $5,000 for making "eligible access expenditures" to comply with ADA. 

The HELOC is tied to the property, not you, so if your credit & equity are satisfactory I don't see why not.