HELOC on condo

[Haley Brodecki]

My primary residence is a condo where there are only 5 units and we all make up our HOA. I was working through the HELOC process since we have quite a lot of equity when I suddenly got denied because 1 of the 5 units is owned by someone who lives overseas and rents out his unit. The bank said they require 90% owner occupancy and since our HOA is only 5 units, we only have 80% of units occupied by owner.
does anyone have any suggestions on any banks or credit unions where this may not be an issue?