Subdivision have mixed demographics with older Southern original owners, newer Latino owners, and newer African-American Northerners.

Preferably a local bank or credit union.

I am in the process of getting financing from my credit union for $600k for 20yrs @ 4%.  

Hi all, I have purchased a lot in Union County, NC to build a new house. 

@Bryson, thank you for the reply, I was looking for something all in one like Home Union for example.

Go to a credit union and inquire about a "porftolio loan" typically 20% down, 20 year amortization with a 5 year rate adjustment.

I will check with my credit union. 

Long-term I'd hope to grow a buy-and-hold portfolio, but I'm very focused on this first purchase for right now.Since I work downtown, don't own a car (and don't want to), and spend most of my time in Central LA, I'm looking really closely at areas around downtown: lower-cost areas with decently affordable 2-4 unit buildings (in the $400,000 to $800,000 range) like Pico-Union, areas around USC, and even up around Hollywood/Koreatown when the rare good deal shows up there.I've been looking around on Redfin a bunch, but have seen little to nothing that satisfies Josh and Brandon's "Two Percent Rule" (or even 1% rule).

Credit unions and banks with hit your with 5000 to 7000k in closing costs.  

Hi,I'm looking to build my network of real estate professionals and particularly looking for referrals to any good contractors in the Essex or union county area of NJ.