Issues with HELOC financing?

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I have about $200k in HELOCs and used them to make a cash offer on a property and then I can refinance into commercial or traditional mortgage after shopping around a bit.

I have run into a problem with underwriting a couple of times now. My loan officer hasn't told me the exact rule, but essentially they are asking whether I bought the house with cash or with credit. They need to make sure their refinance goes towards paying down the credit. Since the HELOCs are just part of my normal banking, there is not a way to guarantee that their refinance will go to the HELOC and not just to my checking account. I have had this conversation with a commerical and a traditional lender now and it could be a deal breaker for the refi.

I thought using HELOCs for financing would help me make deals easier, but this is being a headache. Anyone else have a similar experience in have strategies to use HELOCs to optimize their investment property purchases?