I own a 2 family w/ no mortgage and can’t get a Heloc

[Sean Smith]

I own a 2 family out right that’s worth $300k. No mortgages. I also have zero personal debit besides a $400 credit card. Credit Karma says my score is 675. I recently open up a business for Electrical contracting and staffing. But the last 6 months before I started my business. I was on workmens comp from my W2 job. 2022 W2 I made $116k. So the last time I worked W2 was March 2023. I’ve called many banks and nobody will give me this credit line. My business is already profitable. But every bank is telling me they need 2 years of income before any bank will give me a credit line. Any suggestions?