The counties most popular in NJ for NYC commuters are Hudson, Essex, Bergen and even some in Union. 

Anyone knows Any credit Union/local banks in NJ for a cash out refI (looking for 80%LTV)?

Depends on your interest rate/fees/etc too, I'd highly recommend shopping rates with different lenders, banks, credit unions, etc. to see who will give you the best deal.

Regarding lender...I always say to shop rates, you have 30-45 days from your first application to apply at as many different financial institutions (credit union, bank, mortgage lender, etc) to shop rates and it will only count as a single credit inquiry. 

Sure..tap into the equity with a Line of Credit from a small credit union or community bank. 

Hi All, I am looking for recommendations for Investor friendly small local Banks or Credit Unions in the Baltimore area or surrounding parts.

A credit union. 25% down.

Credit Union.

Without knowing your local lenders, credit unions etc, you might get as much as 85% of your house value, leaving the other 15% in place. 

Regarding HELOC Mountain America Credit Union and America First credit union have the best rates for HELOCs and America First will do a HELOC on an investment property where I don’t think any other company offers that.