A traditional bank will normally not fund a flip. 

Traditional bank loans can be slow and have strict requirements, while hard money and private lending seem to offer more flexibility.For those who’ve secured funding before, what’s been your experience?

Quote from @Danielle DeCormis: Working on a deal where the home has been foreclosed on by the bank but they indicate they have no knowledge of the solar panels or whether there is a lien. 

Getting to the point of why I am here - It seems I have the ability to open an HSA at any bank that offers them, then do a rollover from Optum for $20.

This would be the proper argument for explaining why you should not invest in RE for primarily, but really only, cash flow.It's a store of value against the dollar, and utility for the people. 

Often you can find these lenders with a mortgage broker or by reaching out to a local bank or credit union in the market you wish to buy.Cheers!

Lastly, they’re going to want a higher interest rate than they can get from the bank for taking the risk.

Would banks typically provide a HELOC on an investment property, and if so, what terms should I expect?

Try talking to local banks who want to do business with you.

I grew up in the land bizz  currently building out a 75 million dollar housing project in Oregon that I own and developed  I bought the dirt  7.5 mil cash and did all the horizontal in 3 phases about 2 mil per phase for development costs ( these were bank loans) then same bank gave me vertical loans and well we are down to the last 17 houses of which I have 11 presold and closings every two weeks for the next few months ..