What I have been finding is that the traditional players ( big banks, Cu ) that offer a true Heloc are assisting about 60 days to close and fund while the more online players such as Figure is offering A Heloc that to me is really a Heloan because you have to take the money over approved for the full amount but they promise a 7 days payout all things being equal.

The thing to keep in mind, if you expect to cover the costs of doing the upgrades, that typically is "chasing rainbows" unless you bought below value to begin with.Moral of story, if you are planning on living in a property for a long time, renovate to your taste, if you are planning on selling in the next 5 years, be judicious in upgrades.Selling costs money, real estate agents, escrow, title, and concessions and so on.

And if anyone has any recommendations for a good hard money lender with low fees then please let me know. 

Others broke even, most lost money. 

I suspect the reason why your rate is so high is because you’re using an online lender.

Most DSCR/hard money lenders that provide commercial loans won't lend for a construction project if you already own the land.

I am trying to get a hard money loan to start with the BRRR method.

It won't matter if you go to another lender.

If you're looking for funding, it’s worth exploring lenders that are flexible with builder experience requirements. 

I told them that I work with real estate investors that would be able to help them and put some money in their pocket to help them with their crushing debt and bills so they wont go into foreclosure on both houses How did you finance this deal?