Recently, I was lucky to achieve a truly massive (for me, cute to others) salary jump allowing me to comfortably save 60% of my income.

HelloI was looking for some great referrals for credit Unions or Banks in NJ for a cash refinance or any suggestions to achieve buying another rental Property Private money lenders in NJ please message meReferrals for Banks that would do 75 LTV or more investor friendly programsLooking to buy another Multifamily Thanks

Can optimize your pricing. 

Yes to everything you said BUT remember "deals are not found they are made".There's no way to achieve financial freedom with the numbers you gave (unless you save up another 65k and repeat until you reach your desired monthly income) which is were other more creative approaches come into play. 

But the rent from the other unit will allow you to control a more expensive property for less money than it would normally cost you if you didn't have that rental income, like if you purchased a single family house.That being said, you may be able to achieve the same outcome purchasing a 3/2 single family house for $260k and renting out two of the rooms for $500/each.

A quick bio about me: I’m 40, work in waste water, want to leave the rat race, and I will achieve my goal.

I'm also new to REI and trying to learn as much as possible - this book breaks everything down with actionable steps to help achieve everything else I'm reading/listening to!

I, along with my team, help these people achieve desired returns through our real estate investing decisions. 

It's going to be tough to achieve significantly positive cashflow in the short term in the LA market without putting a lot down.

With this structure we have not been turned away from lender because we are Canadian, but have found an increased difficulty with refinancing our rentals with ARV of $60,000.We have a couple more lenders we are talking with, and have determined that by packaging our two SF rentals together to create a combined value higher than $100,000, we have achieve refinancing.