HELOC...which one do I choose and why?

[Sean Starkey]

One lender told me my rate is fixed at 5.6% and I can take out 180k which is 90%LTV.

Another lender told me the max he can do is 80% LTV and we can take out 96k on that HELOC and the rate is variable but can be changed to fix at any time

What are the negatives/negative positives of each?

This HELOC is for shirt term rentals investing

Thanks!