here is the situation. i left a really good paying job to take care of my 81 year old parents because my dad is chronically ill and my mom is almost there. i wont go into too much detail, but my sis doesnt help them. ill leave it at that. we have a person who comes twice a week to help with cleaning and other household tasks. i carry the bulk of the weight cooking their meals, running errands, grocery shopping, picking up meds, and taking them to dr appointments. its a full time job. i get a small salary of $1000 a month from a care giver sub contractor for the VA. ive been paying my bills with what savings ive had, but only have a few months of funds left. i own a duplex. i have over 200k in equity. i live in texas and texas has weird laws about refi and heloc/heloans when the property is 4 units or less and owner occupied. i would rather not sell, but if thats my only option i will have to at some point.does anyone have any advice or possibly be able to point me to lenders who might be able to work with my situation?

Quote from @Connor Chatlos: If your Broker is worth their salt, they will have an Independent Contractor Agreement with you that spells out responsibilities, commission splits, etc.

It’s on track to do over 45k gross as a STR with current bookings, but may end up closer to 55k as I get mostly last minute bookings (a lot from contractors needing a big enough space to house their crews).

Looking to have some repairs done and need to find local contractors that I could hopefully build long term relationship with.

Research whether or not you need any special licensing, registration, or zoning to operate your home in this way.5. 

Additionally, I collaborated with architects, engineers, and contractors to finalize the design and construction plans for a stackable duplex.

Additionally, I collaborated with architects, engineers, and contractors to finalize the design and construction plans for a stackable duplex.

I have my dwelling contractors liscense & company, so I can pull permits for work that needs to be done.

Word to the wise- find fair contractors and vendors, pay them fairly, pay them fast and treat them well.

I am a 45 year old contractor and have been in construction all my life.