need short term loan on primary residence: unique circumstances. which type of lender do i use?

[Lewis Mclean]

i need a short term loan (40k) against the equity in my primary residence. i own it free and clear. it's valued at 65k. i have no stated income. credit score 675. $0 debt. i've inquired at the banks about heloc, but have been turned away due to lack of proof of income. which type of lender should i use for this type of loan?