I submit that convential lenders (bank, credit unions) will consider Construction to Permanent Loan, but this type of loan is likely reversed for owner-occupied homes.

Essex, union, middlesex, monmouth

Hi,Here's an update:We where able to secure a recourse loan through a local lender Heritage Trust Credit Union.

At one of the Credit Unions I use I thought I had hit their limit, then 6 months later I found they were open to doing 3 more mortgages.

I'd go to a credit union or a private lender.

You can get longer terms with credit unions, if you find one that is investor friendly, with rates between 6 and 8 percent

Hi, I am buying a 3 family in Union City NJ.

I been working with a credit union who'll give me mortgages but I need a 670 to qualify.

There can't be, each state in the union takes a different amount of time and expenses to enforce the remedies provided by the security instrument.  

@Jon Linn If you are able to carry $1600/mth rent, plus your other living expenses and obligations and have been self-employed (in the same business) for more than a couple of years, you should be able to sit down with a small local bank or credit union and place a mortgage ... unless your credit history is a mess.