Primary Residence HELOC With Rental Income on Property

[Dima Yovko]

I currently own a 1938 farm home with 11 acres that was purchased back in October 2017 for $405k but was appraised at $485k, I currently owe $395k. My current DTI is hovering around 35-40% but I have began to rent my acreage, barn, and shop out for $2,000 per month to some cattle/goat farmers with a 2 year contract. I currently reside in the primary residence. Bigger convential banks like U.S said they might be able to do it because of the contract and smaller banks such as CC's said that they wouldn't.

Does anyone have any suggestions for me on how to approach getting a HELOC for my primary residence while renting out portions of my land to offset my DTI? I'm not too familiar on how much that would swing the DTI.

Thanks for your inputs!