I contacted my bank (credit union) and asked my mortgage specialist if this clause was in my loan.

My credit score is 760+.My Questions: How much should I expect to pay in fees for a HELOC or Home Equity Loan?

My credit score is 674.

I have an excellent credit score and a strong source of income. being that I have not made any loans, I don't have any debt/income ratios to worry about either.Thanks

That saves her time which saved me money, score! 

If you want to look at it from the other side of the table,   go look at the tenant's union website and read their recommendations and advice about housing law to their members.FWIW on the shared walls comments,  I was apprehensive about going back to that as well (having lived in my fixup-SFR for about 6 years before buying my first rental)  But the calculus is a bit more in your favor when you're the boss.  

How do you report to the credit bureaus to ding credit score?

I have good credit score of 780.

The lender (a credit union) gives 80% of appraised value which would be $260k. 

BTW, start working on getting your financial house in order like down payments, credit score etc., That's the key!