I’m guessing you’re in the Chicago area. If so, check with Wintrust, because they give personal attention and should be a lot more flexible. But there IS a difference between borrowing on a principal residence and an income-property (even if you live there). Ideally, you might refinance the entire property, taking out some cash. This would be the time to do it since rates are still low.
(I know Wintrust is the sponsor of the WGN business lunch but I get nothing out of this recommendation! In fact, feel free to use my name, or not, as the source of this suggestion because it might get you some attention!)