Banks/CU's that will use a lease/less than 2 yrs rent for a HELOC

[Stuart M.]

I'm looking for banks/CU's you've used that will give you a HELOC on an investment property and use the rental income for your DTI calculation even if you haven't rented it for 2 years - if you've only rented it for 6 months for example, and haven't filed a single tax return including it yet.

Penfed will count a lease.

Space Coast CU won't.

I don't know about TD.

(And if you know if they do HELOCs on Florida investment properties that'd be great too, but I'm willing to call another 20 banks if I have to.)