Heloc for One of The Joint Title Holders Only?

[Iman M.]

Hi folks! I have a bit of complicated situation and need advice on if this could actually work. I own my home in Florida and my spouse owns his home in Pennsylvania. He filed for Chap 13 a few years ago (has one year left before discharge) so he won't be able to get a HELOC until 2 years after bankruptcy discharge. Can he file a quit claim deed to add me to his title and then I apply for a HELOC on the PA property so we can make improvements and buy an investment property? When you apply for a HELOC will a lender just consider one of the title holders? I feel like this is the best plan I have come up with in a while so if I am missing something please let me know. Appreciate any and all feedback.

thanks