Explaining to the underwriter that there is some friction in the relationship can help explain why you would need your own home. 

@Remona Castle Most definitely reach out to the hml and explain the situation.

Many things are covered in the lease but it is worth a discussion since most people will forget or never read the lease again after signing.On my last rental, I explained it as being in a partnership with the tenant and we work together to make sure they have a safe, clean and well priced rental.  

I'd explain our legal rights to access the unit under this or that state law, and the enforcement mechanisms, which would be hugely inconvenient to both of us, resulting in neither of us getting what we want. 

Are there any other resources that explains this concept a little clearer?  

It's a great way of explaining the differences between software like Zillow versus the MLS(especially for future clients).

Explain that if they do not overturn the denial you will be opening an unfair claims complaint with the Dept. of Insurance and retaining a (attorney or public adjuster depending on what you decide). 

@Jon Taylor, the collaterol for the HELOC was the investment property sold 3 years ago (and 1031'd into 3 DSTs)...that's why I'm concerned it's probably not still available even though the bank is saying it is...I see @Dave Foster 's comment that the bank may not extend once they figure out it's an interest in an entity structure presently...so I am guessing I need to explain to the bank what happened and see what they say... 

You explained it the best I've heard yet. 

Attach a statement to yourreturn fully explaining the reason.