Check with a few local credit unions as they usually have the best HELOC offerings.

When a husband and wife jointly own a residence, and the husband takes out a Home Equity Line of Credit (HELOC) in his name only, the spouse's involvement and liability can vary based on several factors, including state laws and the lender's requirements.1.

Next year i'll hit top pay and should start bringing in 1.2-1.3k a week. and the year after that i plan to move to linehaul and make about 2k a week.I do have a lot of debt, or at least it feels like it to me. the breakdown being;23k in college debt i got getting a bachelors that i never used across 5 loans ranging from 3 to 5% interest rate5k in bank loan debt i got getting my trucker cdl a at 12% interest rate.2.5k in credit card debt from not having an emergency fund and then having emergencies.

Also, your DTI can sometimes be more flexible depending on your credit score or reserves, so it’s worth asking the lender about that.If your DTI is still too high, try looking at ways to lower your monthly payments or increase your rental income.

Depeding on the amount get a credit card that has no interest for 12-18 months. 

If i can invest it and make a significant better return after tax than paying it down I would do that but in this instance you will never be able to achieve returns that match credit card debt.

Second, try to ask for "LINES OF CREDIT" instead of HELOCs.

CA taxes residents on worldwide income but may provide a credit for taxes paid to other states.

It is a terrible rental.  1) The rent may not cover the PITI.  

There are lenders out there that will lend up to 50% of the AV with no minimum credit score requirements.