Hello Ethan,I think the main difference between traditional banks and credit unions are their guidelines, most credit unions are manual underwriting, because they are using their own money and keeping the loans. 

Let me know how I can help anyone out.

I am also finding that as you mentioned part of the learning curve is knowing what a particular state's law is.At the same time, I have in the past found paying some money for a course has helped me to learn and take action more quickly. 

A little too hot for me at times, but I’m more of a fall guy

But if you want access to the benefits that people like me have contributed to, and collectively spent decades and god knows how many millions of dollars building, why would you think you should get access to those items for free? 

I'm happy to share what I know and has worked for me. 

They will still issue me 1099-MISC forms.

@Kate Stoermer that is one of the main reasons I have actually been considering the switch to OR.

I'm in Orlando, let me know if I can be of any help.

Investment Info:Single-family residence fix & flip investment.