Tap into home equity w/o showing income?

[Stephen Barnabei]

How can you tap into a homes equity without showing much income verification?

I have a family member who purchased a SFH home cash for $35k. I helped them fix it up, not too nice but it's livable. They live on SSI which I think is only $800/month.

The comps selling in the area are going for $150k-$175k. I’d said their house is worth between $125k-$150k.

They took out a home equity loan several years ago for $40k and currently owed $32k on the loan.

I want them get a HELOC for $100k or whatever they will approve. Use that to pay off the $32k loan and put a nice down payment on a multi family building (duplex or triplex) so they can house hack. I will help them manage it and they can rent out the original sfh. Any ideas or suggestions would be appreciated.