HELOC on Owner Occupied Four unit?

[Jonathan Taylor]

BP community,

I'm asking anyone who knows if any financing institution (credit unions, local bank, Fintec companies, etc) who have HELOCs for 3-4 unit Owner occupied Primary residences. I have called and spoken to most of the big banks ( chase, B of A, Union, Wells, US, East West, Citi, Schwab) and they only have HELOCs on 1-2 unit primaries. The consistent answer I get is 3-4 units, being a MAJORITY investment property (greater than 50% of the asset is for the purpose of investment), are not accepted by the big banks. Lending Tree only set me up with Home Equity loans ( aka cash our refi on first position) but not HELOCs. My rate is so low I wont entertain that option but wanted to hear from anyone who can shed light on this or if this a futile search.

Thank you in advance