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. 

Situation is as follows-She is getting foreclosed on by HOA for $4000 past dues, Sherriff sale is Dec 3-She is half way through a Chapter 13 BK so the mortgage cannot be foreclosed on even thought she has not made a payment in a while, $85,000 for payoff.Second mortgage with a local credit union for $14,000She wants at least $2000 so she can get a new apartment and move.Grand total of $105,000.Did walk through and she thinks she would need to do a lot of fix up to sell and doesn't want to deal with it. 

Dunellen, Plainfield, Union, Cranford etc...Since you have 25k to put down I would def suggest "house hacking" which means actually moving into the multi family home and renting the other unit(s) to lower or eliminate your living expenses.