Like I stated in my original post.I did my first loan on an owned property thru a local credit union, any big bank branches I have approached don’t work in the neighborhood I invest in.My closing costs there were $3200!

A credit union should be able to do 2 or 2.5 percent.

Why not just call your local union contractor, and have it done right rather than piece it together?

I began shopping around with local banks and credit unions in upstate NY, as well as Quicken online.

A local "small town" bank or credit union is a good place to start.  

However, I've decided I want to purchase a duplex or triplex creatively.My credit union has offered to increase my credit card limit to $44k.

I guess you have to find a bank that does, maybe a local bank or credit union.  

I'm in the process of rebuilding it, but I was already turned down by one credit union.

Does anyone know  a Community Bank or Credit Union based out of Illinois that offers a line of credit for real estate investors. 

Small banks or credit unions that keep the loans in house oftenhave much more flexibility with what they can and cannot due and what they are willing to deal with.