I wouldn’t want someone running an extra oven wired up by a bottom dollar electrician (if lucky) to facilitate a business operation out of my rental.

Use the bottom 1" of the bristles.

But the bottom line question is that I have is which banks or FCU's offer this type of 1st Lein HELOC (w/Checking acct) ??? 

I also bought at the bottom of the market and when I sold several years later I pocketed $80,000, not a bad deal! 

Check out this link and scroll to the bottom where it says "too many people."

I'm guessing this more likely a lender issue than a "true" DTI issue.The two rentals are close enough to neutral that they aren't moving the needle much either way.$85k / 12 = $7k/mo.Primary residence + business is $2740/mo. $2740 / $7k = 39% DTI.

@Stanley J Okazaki-writing into the contract that the tenant is responsible for the first $100 of any repairIf you charge the tenants, you'll never hear about a simple leak under the sink due to a failed $1 p-trap washer, and will instead find a rotted cabinet bottom and/or floor after they move out.

A large, one-time expense could annihilate your bottom line and make it look like you had a horrible month.

Most big companies on their consumer website have a link at the bottom for corporate website.

I strongly recommend starting off in a neutral market and scaling your way up to FL and other highly competitive areas.