Hello Ethan,I think the main difference between traditional banks and credit unions are their guidelines, most credit unions are manual underwriting, because they are using their own money and keeping the loans. 

Sounds to me like seller's finance would work better for you.

Just let me know how I can help! 

No matter what phase of life you are in, find a mentor.I’ve always had strong mentors who have taught me invaluable lessons.

My second favorite part is how you never addressed the actual question and main point of my post.

Just send me a PM! 

I've always been gun shy to look at properties with tenants already in place because it has felt risky to me (admittedly I'm a fairly risk adverse buy and hold investor!).

He told me he was going to not comp my house for my area but the city i stay in so many words.

Please let me know how!

I'm always happy to help, feel free to shoot me a message if you have other questions.