Heloc or Home equity loan?

[Rita Temple]

Hi everyone! 

    I'd like to invest in a second home for a rental.  I'm not sure if I want to do long term rental or short term rental yet.  But, I would like to pull the equity out of my current primary home in order to achieve this.  I'm finding a lot of Heloc's that are not fixed apr and/or require a lump some to be pulled out upon approval.  I'm not at that point yet as I want to see how the market is going to be in the next six months (are we going in to a recession and if so are home prices going to retract?)   Any recommendations on lenders that offer fixed apr?  Any suggestions?