WHAT! I DONT WANT TO DO ANYTHING ILLEGAL...

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okay here's the story. I have everything in line finance rehab, people in the construction, I have somebody to project manga the rehab, I have somebody in wholesaling and I had a pretty good hard money guy lined up to help me with everything that I don't know because I don't know a lot. lol 

what I'm trying to get is the down payment to pay the heart money guy.

so I went to a credit union to try to get a HELOC turns out the lady at the credit union tells me that they can't give me a loan because this is considered a business.

That if they do give me a HELOC for this transaction, then that would be consitered illigal

another road block on my way to success ( nobody told me they would be so many of these when I started. Lol.

If anyone can give me any advice I would be very appreciative.

thank you in advance