For example, if you have $130K in equity, you might get $100K-$110K available in a HELOC.Look for a fixed-rate option for the HELOC to avoid rising rates.

Simple answer - yes you can alter your funding source after putting it under agreement if you chose to use a hard money lender instead - i would just communicate with seller that hey I was going to use cash (assuming you have it from your heloc) and instead will finance some of it but let them know its not contingent on financing.

Keep in mind that many responsible agents tend to be conservative with their valuations, especially in today’s market, where properties aren’t moving as quickly as they once did.If we’re in a conservative market, pricing on the lower end may make sense, but it’s always good to weigh your options carefully.

I do not believe theres a crash coming here , who is your source?

But if you are really set on RE you may want to explore options of borrowing against them or taking cash out early.

Yes, but the 3rd option is I pay the remaining seller note principle in cash via my own savings/lines of credit. 

This will help you understand your options and decide if it's the right time to hire a pro. 

Look for 2 +1 options if you can live without a stove.

Yeah for sure, I meant to say that buying in the U.S. you might be able to self manage if you want but international you probably don't have the option but I didn't express that super well.

It's best to reach out to multiple lenders to explore your options.