Can I qualify for HELOC - no job, good assets

[Kelly G.]

Greetings;

I need a short-term (1 year?) loan of about $40k - would only pull what I need when I need it (not all at once - but a bank won't know that) - and am thinking a HELOC would be the easiest, but:

I am not 'working' - haven't really worked in a few years - am technically 'self-employed' but . .

The HELOC would be on my primary residence: a mobile home - current value @$130k (conservative), owned free and clear.

I have a rental property that brings in @ $1000/mo; the rental is owned free and clear; current value @$140k

I have no outstanding debt - except my CCs which I pay in full every month;

Current credit (fico) score of @ 730 - (just below that magical 739 due to a 'blip' that has been removed) - otherwise I've Never been below 760!

Strong $$ assets (401k, IRAs) -(how much info do I really want to give away?)

Will this be 'doable' via bank/CU HELOC? Recommendations?

I have called a couple banks and they all want to know my "income" - which is basically the rent I receive and capital gains when I run low.  How do I 'package' this to convince a lender I'm a 'no/low-risk' borrower?

Thanks so much

Kelly