Union will do 75%. Pm me and I’ll give you specific contact info. Maybe with negotiation on other terms you could bring it to 80%. Also for HELOC, I’ve found Chartaway FCU offering 90% LTV.
PenFed does 80% on non owner occupied HELOCs. Also, I believe Langley Federal Credit Union will do 95% (that's what they told me over the phone but I never went farther then that).