If you can network and find local players (FB groups, meetups) that could help speed it up

If you work with the same lender that may speed up the process but expect a typical 30+ day closing.

Depends on really what you are looking for:-Speed - some HMLS can go "no appraisal" so can close very quickly and beat cash offers if you are in a competitive market to buy-Interest Rates - can range anywhere from around 8% to 13% (same with "points") but not usually as huge of a concern for flippers since the terms are so short-Leverage - depending on your risk appetite / capital - this is also a top concern for some (almost always over and above rates/fees) can see anywhere from around 80% LTC to even mid 90s LTC (including 100% of rehab budget)

You can refinance into more traditional loans later, but that initial speed matters.

From my analysis it looks like shortest vacancies are in SouthWest Fort Worth, while fastest appreciation is in Anna/Melissa.

Speed and cost/tax-efficiency are usually mutually exclusive.  

House hacking a 2-4 unit might not sound glamorous, but it’s hands down one of the fastest ways to build a paid-off rental portfolio — even with a family.

So will see how it goes and keep everyone up to speed.  

Private money lending bridges the gap between speed and flexibility for investors while offering lenders a secure way to grow their returns.

A HELOC is needed and if budgeting well and sticking to the plan it will work, and truly is the fastest way to pay off the home with anyone's positive monthly income.