is it possible to get a heloan on a duplex thats owner occupied?

[Christopher Satterwhite]

here is the situation. i left a really good paying job to take care of my 81 year old parents because my dad is chronically ill and my mom is almost there. i wont go into too much detail, but my sis doesnt help them. ill leave it at that. we have a person who comes twice a week to help with cleaning and other household tasks. i carry the bulk of the weight cooking their meals, running errands, grocery shopping, picking up meds, and taking them to dr appointments. its a full time job. i get a small salary of $1000 a month from a care giver sub contractor for the VA.

ive been paying my bills with what savings ive had, but only have a few months of funds left. i own a duplex. i have over 200k in equity. i live in texas and texas has weird laws about refi and heloc/heloans when the property is 4 units or less and owner occupied. i would rather not sell, but if thats my only option i will have to at some point.

does anyone have any advice or possibly be able to point me to lenders who might be able to work with my situation? obviously it would have to be no income verification lender. i understand that the interest rate might very well be higher. i have good credit and an impeccable payment history. 

im looking to consolidate and pay off debts other than the property. 

much thanks in advance