We recently relocated to Phoenix last summer and I'm starting to look for recommendations for local credit unions here in Phoenix which are trustworthy, low rates, personal touch, easy/simple to work with, etc. 

Hi, I just filed my first eviction in Union City NJ for a tenant who stopped paying rent.

You can work with a local credit union that does HELOCs, Home Equity Lines of Credit or Loans, on investment property.

I was going to add, as posted above, it's a great rate and stick with that local credit union for the future business. 

Go to your local credit union. 

I am looking for recommendations for best financing options.The owner is considering financing it, but until they agree, I am planning as if they will not do so.The local credit union I use, who is very investor friendly, is unable to lend on properties larger than 4 units right now. 

I recently moved back to the U.S. after almost two decades working in international development and entrepreneurship across the African continent, from co-founding a tech-enabled logistics company in Ghana to negotiating public-private partnerships for infrastructure investments in Senegal.

Wrapping 3 properties into one blanket loan shouldn't be a problem, save these are sitting on any sizeable acreage.You might get lucky and find a unicorn local bank or credit union that would consider that kind of leverage, but I would say overall, those terms are very unrealistic.Cheers!

So never "better or worse" from your Credit union, just different.

@Robin Simon I completed a refinance with my credit union at terms of 3/30/75 @6.85% I will have the renwal in 2026 and hoping rates come down a little by then.