I'm still a big fan of this strategy and use it today. 

Just as others have suggested, you can but not necessary.  

IF you try to obtain it without a skilled Expediter who has experience getting one, you are certainly not putting your best into attaining it.That being said, I have known some expediters who are supposed to be really good make mistakes or don't have the proper knowledge either.

I've tried Rabbu a few times, tinkered with BNB Calc.

I hope this helps!

No, I put 65,000 but its probably worth 140,000 I'm trying to get a HELOC to do some renovations, then rent it out in April.

It's probably not.

Have you figured anything out?

My guess is You will need to go through a foreclosure process in this situation as a legal remedy.

As @Matthew Porcaro says, a big benefit of house hacking is that you are living in one unit and renting out the rest.