He has been on a 2 year lease every renewal and a bit below market as my husband was in law enforcement and we gave a discount to Police/Fire/Military.I’ve been watching the market and it has been slow to come back.

I don't know the answer to your specific question, perhaps someone who is a current loan officer does and will respond.

Have the face-to-face conversation with a loan officer and explain everything you're trying to do. 

I have a loan officer telling me he doesn’t recommend a heloc because of the variable interest rate, but when listening to the podcast, I’ve heard the guys favor a heloc and it just seems like the top choice of people I’ve talked to in similar situations.

Scott Sutherland and Rod Khleif recently popped by my office to share some of their multi-unit wisdom for my new podcast.

I checked on my neighbors land vs improvement value and generally it seems like their improvement value is higher than their land value.I haven’t called the assessors office to dispute that because I want to know what makes more sense: to depreciate more on my taxes or to increase my property tax bill.If I understand correctly, depreciation is roughly improvement  / land value * purchase price?

(Wheelchair ramp, and no stairs in the house) Time was of the essence.That day when we sat in the Park's Home Sales Office, My husband and I told her the reason we needed to move and needed to move fast. 

You can find his contact info at this link https://www.loandepot.com/loan-officers/cmotal

The same cannot be said of residential, commercial, office, retail, or industrial.

I doubt you go into the office of every PM firm on first contact even if you were local.