I'm having trouble finding a lender that will provide a HELOC on a rental property in Indiana.

I am an out of state investor.

The issues I’m running into are:

Not owner occupied

Not living in state

Not working in state

Not going to school in state

Not going to church in state

I own more than 2 investment properties.

Property worth is about $70k and 70% LTV is just fine.

I’ve called every local credit union in town and major bank in Indianapolis. None of my Credit Unions will lend out of state.

I would rather a HELOC over a mortgage given current interest rates and how much the property rents and cash flows.

I appreciate any help. Thank you!