Hi all, trying to get a HELOC on my primary residence and having a hard time finding a bank that counts depreciation towards income

Have you considered house hacking? 

Both larger 5 bed houses near BSU. 

I like the area and wanted to use the house as a vacation home.

We'd like to rent both houses if we moved. 

Keep in mind, the "company applicant" isn't necessarily the "beneficial owner", and there is a whole section for each on the BOIR.  

Each bedroom is rented out individually by the previous owner on a month to month lease.

I am in the process of buying a venue with 15 cabins and was wondering if I decided to live there. Could I get a conventional loan on the property? The interest rates are crazy, and most term limits are 15 to 20 years...

My sister had my parents' house passed down to her in a quick claim deed, which is also fully paid off Zestimate ~$420K, but she does have some "good debt", roof/windows for house $50K and car payments for her car and my mother's $25K= total debt $75K.

I have invested to make the house nicer and added some amenities only to see achievable rents go down from last year.