We have a rural lake house, but it is on a paved road in a tiny little lake town.

If so, you have options that don't require income and employment history like traditional financing does.

If he were employed by a company, you might be able to get wage garnishment, but that will be harder if he is an independent contractor.3) If you have a judgement, yes, but keep in mind the collection agencies usually keep 50% of collections.

Are you self employed ?

You would have to maintain the self employment activity and not have any employees other than a spouse. 

Such short term rental  will follow these criteria(see numbered list below), in order to take advantage of (1) qualifying to fill out schedule E, thus avoiding the Self-Employment tax should there be any profits. and (2) being able to offset your W2 income should there be a paper loss. 

Flag poles, playgrounds, cabanas, paved streets, street lamps, RV parking, large entrance signs, swimming pools, etc- all good stuff. 

Most people provide recent paystubs and/or a letter from their company HR department verifying their current employment and monthly take home pay.

Hey Adrian - There aren't many options out there for investment HELOCs, and the ones that are available will be full doc...meaning income, employment and DTI are used to qualify you.

The hiring process costs the employer a lot of money and if you don't think you will be a good fit, it is going to be an uphill battle for both you and your employer.