I want to get a HELOC on my primary residence and need at least 90/10 LTV to make it worthwhile. (95/5 would be even better but I’m not sure if that’s realistic.)I always hear people say to look at local credit unions for the best terms. I live on the Maryland side of DC.Can anyone recommend a credit union in this area?

Seems to me you'd be "safer" if you buy each of them as your Primary in the first instance, one at a time. 

Although this is a 2nd residence, they moved into it a few years ago so they could fix up their primary residence.

Learn from it, research it, use it as fuel, and ignite your motivation for investing.

I will list the details below for you to review.Asking Price: 275kProperty Details: 3be/2ba, 1350 sqft, 8600 sqft lotRehab cost: 20k (cosmetic fixer-upper like fence, paint, lawn care)ARV: 310k-330k Purpose: I planned to buy this as a primary and rent out 2 of the room for roommates.

After moving into the house, I did some research and found that the elevation certificate had the primary structure high enough above the base flood elevation for our flood zone that we shouldn't need flood insurance.

I understand the basics requirements of creating a primary residence but dont see clarity on what actually constitutes the majority of the year spent there.

The low down payment options are only available for primary residences.

Our plan would be to sell our current home and move into the primary home and then manage the cabins as short term rentals.

We are going to be buying a new home, and renting our current primary out.