I might be missing something but I don't see how this is "cheaper" monthly.

Am I missing something?

Many of their sites have materials missing or have unfinished work with materials being exposed to weather past acceptable time spans.

Next, via bi-weekly your never going to "miss" a payment.

The risk is missing out on the 2024 60% bonus and getting stuck with an even stingier 40% slated for 2025.

Meaning any of your Helocs can be closed or reduced at any point if any of your banks feel you are over leveraged, miss a payment, credit score drops, even by mistake it happens all the time.I would get rid of the Helocs and put some cash in your bank so you can use that versus a Heloc. 

Please advise if I have missed anything or anything else you believe is relevant. 

We missed a few great deals in 2022/2023 because we has an escalation clause that was nearsighted.

@Penny PengBig piece missing here - what is the best component ?

This in turn usually leads to missed deductions on the tax return.