HELOC on 4 Unit Building

[Brad Ehnert]

I'm having a lot of trouble finding a bank that will do a HELOC on my particular building. It seems like if the 4 units don't disqualify it, then the fact that one unit is commercial does. Does anyone know a bank that will do a HELOC on a building with the following specs? Any other ideas? I'd be using the HELOC to pay down some credit card debt and then ideally keep the HELOC in case of emergencies or if the house needs work/repair.

-4 Unit Multifamily Investment Property

-Located in Philadelphia, PA

-3 units are residential

-1 unit commercial (small unit, only 275sqft of the 3,300 building so about 8%)

Thanks in advance for your help!