But if you're not a US citizen, then it gets a bit complicated. 

Warm blooded citizens are citizens of the US, so effectively have standing in each State (my layman's understanding)...Why do you want the trust? 

We, as RE investors and Landlords, provide a great service to the community and our fellow citizens by taking the risks and providing safe, clean, affordable housing (well the vast majority of us do :-) 

The state's insurer Citizens has limits on rate increases and is more flexible with requirements.

Currently, I am a US citizen (born and raised in Florida), but I live and work in Shanghai, and I have been here since 2014.

You shouldn't have any problems with Wells, BOA, Citizens or a mortgage broker like Guaranteed Rate.

Perhaps Merchants Bank or Citizens are still doing HELOCs. 

First you have to follow the law and respect your neighbors, fellow citizens and legislators that voted for and created those laws. 

However, I am a European citizen, whereas most of the benefits connected to Pro membership refer to investors located in US.

I just chalked it up to her being a new citizen and not having anything established yet.