Typically you get these on more institutional, bank loans, as opposed to hard money or private money.

I already have a HELOC on it and I am trying to raise my HELOC balance but the issue that I am running into is that the larger institutional banks are not willing to use the rental incomes from my 3 units toward my income in determining my debt to income ratio because the building is my primary residence. 

Hi I am new here.Is it recommended to pay to take courses at a real estate management institute? 

If it's a bank or other institutional lender (a company whose business is lending), you should expect they are plugged into the credit bureaus and will report your payment history there.If your lender is a private person, like a friend or family member, or maybe a local person who makes a few loans a year, I would assume they are not plugged into the credit bureaus and the loan won't show up on your credit report.Keep in mind that if you apply for other loans, and they ask you for a schedule of real estate owned and mortgages you're responsible for, and you omit a property and/or private mortgage from that listing, you'll likely have committed fraud by saying that you're submitting complete information about your financial situation but intentionally omitting something.In other words, a loan/property may not show up on your credit report, which means a lender you're applying to for a mortgage may not know about it, but that doesn't mean you're not required in the application process to list it anyway, and it does mean that if you intentionally omit it, you're probably committing fraud or breaking some other law(s).I would assume that the loan could show up on your credit report, and that you will be listing it in future loan applications to institutional lenders, and behave accordingly.

I thought I would point out that HELOC are a dime a dozen for owner occupied as every lending institute pretty much offers them. 

The last financial crisis was less about home value and more about financial institutions doing stupid stuff.

I've heard of (1) another investor who has private lender financing to fund 100% purchase price + light rehab + furniture with 5 year term at 10%, (2) someone else who has an institutional line of credit for similar projects at 7.5%, (3) another investor who was able to raise a blind 10 yr pool of money for corporate housing properties at 6.5%.

So my question is, has anyone seen how the owner finance space reacts and how it would cope if interest rates were to say reach 10% at the institutional levels?

All institutions I have been dealing with so far had a secured website where I could upload all personal docs or they used Docusign for signing documents.

Our biggest housing crash in decades happened because banks and lending institutions got willy nilly on their policies and were making exceptions all over the place as to what they called a 'qualified borrower".