Refinance

[Hal Elarbee]

I have a home equity line of credit that will balloon in July. I have no income tax returns that would be favorable for refinancing my house to obtain a conventional loan. My home's Market value is approximately $250,000, The balance on the home equity line is $85,000 to the bank. I'm looking for a way to finance the $85,000.
I have made it into a duplex and rent one half out for approximately $950 a month and the other half as a vacation rental which gets approximately $1500 a month.