Hi I am looking for HELOC on a primary SFH...speaking with some lenders I've run into two issues....(1) some won't give you credit for rental income if you haven't owned the property for two years (show two years of stable rental income) which can skew your DTI unfavorably (2) one lender said they don't give a HELOC if a borrower is carrying more than 6 mortgages.Would anyone have any leads for a potential lender?

How many properties do you currently own?

I own 10 vacant lots, my goal is to go Multi-Family 4PLEX.

I ask them how their experience would differ if they owned the home?

Quote from @Duane Williams: We’re a family-owned fix-and-flip company operating in San Antonio, TX, and Northern Virginia, managing everything in-house—from wholesale acquisitions to rehab & construction (with our own project managers and crews) to listing & selling through our licensed brokerage. 

Both homes are owned by the same family that have hit financial stress and they dont want it to go into foreclosure.

I feel like I’ve walked the street without ever having been in the state.

I now live out of state, but I still have a 4 acre property near the crossroads (on 111 & near 77) in Lavaca County, TX that I need to do something with.

My long-term goal is to own 20 units, and I’m trying to figure out the best strategy to keep growing.Current SituationI've been using my primary residence’s HELOC to finance and renovate my rental properties.

Most of the surrounding STRs do not supply linens, guests need to bring their own, so that's why mine is higher than others.