I started the process at the beginning of January to do a Cash Out Refi on my private residence.

Branch locations across all 3 cities needed for this bank are the primary driver for this account.I then have a checking and savings account at a different local bank for the remaining properties in my home state.

Investment Info:Single-family residence private money loan investment.

It was HL Mencken who observed that in our society, high-status occupations tends to end in -or and low-status occupations end in -er, as in, doctor, professor, actor versus plumber, driver, cleaner.

VA loans don't require PMI (Private Mortgage Insurance). 

Should I contact hard money lenders or private lenders?

Is there a way to get a short term private money loan for just this 30k down payment?

Most of my properties were purchased privately and for below market price.

It is a two family home in NJ costing about $380,000 total including closing costs etc. he found the deal privately through one of his workers parents who want to sell their home.

The home includes a private entrance living quarters attached to the home (includes full kitchen, washer and dryer, wet bar, 2 walk in closets, etc.).