Questions about HELOC and using AirBnB & Business Income

[Jerry Villa]

I've been pre-approved for a HELOC on my primary residences from Chase (they have the mortgage also). I'm not a traditional single W2 wage earner so most of my income comes from various businesses that pass through my own filings. These businesses range from Airbnb income, Cleanings Services, Internet Marketing work, and more.

Chase is saying that they are going to need 1099's from every income source, tax filings from the last 2 years, and lease agreements. 

I told them I wont be able to get 1099s for every single source of income, some I do have (like Airbnb and some clients). My tax filings dont show my gross income since gross income comes from various companies, then I deduct expenses and costs from the businesses, then I take that the net to my filings where I do the standard deductions. So the gross income I stated is not reflected in tax filings, so I told them I could provide all the P&Ls, accounting and bank statements to show gross income. I also told them I do not have standard lease agreements since majority of rental income comes from Airbnb.

They said they will do their best and they will request any supporting documentation as they need them. 

My question, is there a difference between lenders (national, local, credit unions, etc) in how they hustle to make the numbers work with whatever paperwork we can get?

When I bought my first house in 2010, larger lenders didn't seem that interested in really making the numbers work. Ended up going with another local lender who made it work and everyone won, chase even ended up with the note later on. 

Also any recommendations on who can really hustle to get a HELOC loan for their customers, especially those with diverse incomes?

Thanks