I am looking to purchase my second owner occupied small multi family (3-4 units) later this year and looking for recommendations for local credit unions or smaller regional banks that people on BP have had success with.

They want to get paid, sooner rather than later.

I am hoping to close on my first deal no later than March of 2022 in Milwaukee.

And later refinance out so you get all your cash back and can do it again.

A year or two later you pull out your 20% down with a cash out refi and your returns are infinite while you lower your taxes.

I can refinance later to lock a batter, fixed rate4.

This also kicks the taxes down the road, but later is thought to be better than now. 

You will never get the truth, and you really have no control of it happening again.Don't judge, just record so you may observe later if needed.

I'm actually looking at doing another sooner than later as my work has me moving north of where I am.

This is roughly: Phase 1 includes education on house hacking and small multifamily investing, creating a basic network, and saving any extra cash.Phase 2 is my initial searching and closes with a contract, estimates for renovations and completion and revaluation of the property.Phase 3 is the actual year of living at the property while saving cash flow up to then later pick up a second property.Phase 4 is freeing up the original multifamily for full renting, and securing a second property to repeat the process and gain capitalPhase 5 is securing a mid-size multifamily complex either with capital on selling one of the two first properties or with saved up equity.