how to find the right bank!

[Sam Igue]

I am a self employed, trying to get a heloc , I can't find a bank to lend me ($100000) they offer ($45000) !! the mistake I made is when doing my taxes return I took all my deductions! then I appear to make a small income monthly (the banks take in consideration your income after deductions!!!!! I didn't know that or I would go easier on the deductions!!!

my question is what bank ,or what loan can I ask for to get at least $65000!!! to pay off my credit cards and use the rest for down payment for a quadplex ! I have equity on my house (more then 150000) and there is only $ 70000 left in my mortgage!

 I have been self employed for more then 4 years,

and how about this cosigner ? does he have to be a family member?

what are my best options???? thank you