Costco Visa, Discover and Target Red.

I know banks want to see reported taxable income and I don’t want to cause any red flags or have IRS get involved.

It looks like the certification process may be a self-certification form filed with your taxes..Not too much red tape involved!

Is that a red flag for lenders?

I'll be watching your progress and rooting for you!

Strawman, attribution, proof by assertion, Red Herring, and cherry picking. 

Bank A may promises better rates and terms, but if they haven't been able to close on a single self storage deal in the past year, that raises red flags for me.

Living on a boat and working for $12 an hour is a pretty big red flag for me.

The charity and compassion arguments are irrelevant red herrings. 

as your primary you should be able to get an O/O HELOC my guess on the move out question would be dont ask dont tell, so residential HELOC's tend to be 10 year term, so I would maybe get the HELOC from a bank you dont do investing related banking with maybe an out of area bank or bigger institution. and set up a P.O. box or a different address to get correspondence from them (totally reasonable in a multifamily) this way when you move that doesnt change, so no red flag for them to call it due.