I have been house hacking a 4 unit for the last 3 years and I want to pull out some additional equity out of it. I already have a HELOC on it and I am trying to raise my HELOC balance but the issue that I am running into is that the larger institutional banks are not willing to use the rental incomes from my 3 units toward my income in determining my debt to income ratio because the building is my primary residence.

Has anyone had any success in using the rental income from a multi-unit primary house hack in determining DTI for a HELOC?

Any guidance on this question would be most appreciated!