I have a salary and a good amount of real estate income.So far I encountered issues as my real estate NET income looks like $0 because of depreciation, and so the DTI looks inflated since I have the corresponding real estate debt.I am looking for 300k HELOC on $1.2M property with $660k mortgage at 3%. 

I agree with paying the tax and moving on only because now a days you can earn 10-12% in a mortgage note fund and have no fees, capital calls, no management headaches (syndication) and a clear exit timeline. 

Hello,I am in the midst of a mortgage refinance and I am done with initial formalities, signing the initial disclosures and providing the documentation and so far happy with the terms and It can take 30-40 days to close from today.

I have multiple mortgages through Huntington Bank.

Conversely, some are too alarmist and do not put things into the proper context.Example"This property has material in it that will make your children have development delays.

Mortgage marketing to real estate agents

Also, for house hacks generally, you cannot write off any % of your mortgage since it's your primary residence.

You may be able to purchase from B lenders such as Mortgage Investment Corporations. 

Are they not marketing them properly?

We chose to go wide, buying 10 SFRs with 20% down, and then we used the debt snowball to accumulate rents and pay off the mortgages quickly.