Help with Cross State CA-PA Credit Union Loans

[Paul Lyet]

Hello, So the short of it is I have been having some trouble, actually a lot of trouble, getting CU or Banks to lend on an existing property I own in PA. 

I recently payed off my mortgage on what used to be my primary residence in PA. Now living in CA, my PA property has become a rental. I recently came across an opportunity to purchase another property in the same PA city but living in CA and trying to get a mortgage on a rental property, or HELOC on my existing property has posed to be a major challenge.

Bank mortgage - They wanted to mortgage both the property for purchase and my existing rental because they are calculating based in rental income and not actual property value.

HELOC - So I decided to try and get in with a CU and do a HELOC. I would only pull out about 30% and that would cover 50% of new property purchase. I would then cover the rest with cash. Own it free and pay back HELOC over a 3 year period. At least that was my plan. The credit Unions I've spoken to in CA describe this as a slam dunk loan that any CU would love to take on. But apparently they cant.

The Problem - CA Credit Unions dont loan for PA (at least non that i've found) and obviously not living in PA I cant get in with PA Credit Unions any longer. 

Can anyone give me some advice? I feel like I'm in a unique situation but I have to imagine there are rental property investors in CA working in the PA market. Would love to hear any thoughts on the matter. Would be greatly appreciated.

Thanks,
Paul