I need some sources for a heloc on a non-owner 4-plex in CA. 

A lot of these guys buy lumber on in-house credit, and all the lumber yards knows who pay their bills on time. 

I have a house we rent out , she has a house we rent out, we moved into a house together and I wasnt working, therefore, only her credit and income could be used to get our house.

Remember, credit is tight so banks will fund properties backed by investors who have track record...and there will be alot of deals they can pick and choose from.finally, MF investing is all about cash flow.

When I finish filling the last property I will be bumping close to 10k profit a month from them. ( after I pay off some credit card debt I used for my business) Since I have rolled most of my profit back into the business and doing rehabs etc I don’t have strong tax returns.

you better have a high credit score, good references , and be able to convince someone to lend you money.

As others have suggested you could get a home equity line of credit (HELOC) against an existing property and use that.

CO would take 5% or $5 CA would take 10% or $10 but give you a tax credit for what you already paid to CO so $10-$5. 

And hard money in the 7% - 8% range do exist, but they're only available to those with good experience and credit.

@Greg Junge Have you tried a commercial lender at a small local bank or credit union?