For HELOCs without W2 income, look into local credit unions or community banks, as they often have more flexibility with alternative income verification and rental portfolios.

I wanted to reach out and ask what other alternatives to Stessa are out there.

It seems to be but the pricing is just way higher than the alternatives. 

However I wouldn't expect this to stop you from getting approved, but it may mean you should consider looking at alternative options or structure the deal in a way where you won't be caught with a net loss due to the PPP.

Alternatively, I’m considering wholesaling it for a quick $20K, but I’m not sure how to find local investors who can move quickly and close within the bank’s timeframe.I’d appreciate any tips or guidance on whether I’m approaching this the right way, ways I could improve, or how to effectively connect with local investors who could allow me to wholesale this property and make some immediate cash.

We used a service and a proven letter, I mailed every month for 6 months, actually alternating 500 every two weeks, so I had more time to follow up with the usually 30-ish responses. 

Alternatively, construction is a great field to get into.  

[crawling into my office closet while alternating between sobbing and laughing] 

Banks often have higher fees and less favorable rates, while online services like Wise offer more competitive options.As @Ryan Konen mentioned, other alternatives include Revolut for multi-currency transfers and OFX for large transfers without limits.

However, fraud is an exclusion in all insurance policies and had the option of focusing on their negligence and completely ignore the forgery where I would receive  cooperation from their insurance carrier or alternatively go for the $100K and hope I can someday turn that judgement into cash.