here is the situation. i left a really good paying job to take care of my 81 year old parents because my dad is chronically ill and my mom is almost there. i wont go into too much detail, but my sis doesnt help them. ill leave it at that. we have a person who comes twice a week to help with cleaning and other household tasks. i carry the bulk of the weight cooking their meals, running errands, grocery shopping, picking up meds, and taking them to dr appointments. its a full time job. i get a small salary of $1000 a month from a care giver sub contractor for the VA. ive been paying my bills with what savings ive had, but only have a few months of funds left. i own a duplex. i have over 200k in equity. i live in texas and texas has weird laws about refi and heloc/heloans when the property is 4 units or less and owner occupied. i would rather not sell, but if thats my only option i will have to at some point.does anyone have any advice or possibly be able to point me to lenders who might be able to work with my situation?

Depends on the market of course.

From my experience (being on the DNC list and getting dozens of telemarketing calls a week) the main strategy is to ignore it and call everyone anyway. 

When you are purchasing a multifamily property, the seller will be advertising the property performs at a certain cap rate.

Maybe this would also make it worthwhile to jump through the city hoops to make the basement a legal unit.Then you could maybe put a LTR in the basement who could assist with the STR in the main area.

Thomas, Thanks for replying to the post, can you send me the website for the companies that are in your wheelhouse.

1.Activities That CountTo meet the material participation criteria, you must log your hours in a detailed and ongoing logbook throughout the year.

You can't expect to get the same results investors were getting in 2018.You can play with the numbers a little, but be careful.

The problem is I Don't know what kind of contractor is nessary or if it's multiple contractors.

Propstream is great, you can get a lot of data off of there as well as driving for dollars which I believe is also around $99/month.