I don’t want to be stuck with a savings account if I get declined for the HELOC.

They did not detail out all the submarkets but they noted Camelback North averaged $1,067 while Scottsdale South averaged $1,798The average rent also varies a lot by product type. 

Williamson County: The median home price soared by 33.4 percent year over year to $430,000, while home sales declined by 4.4 percent.

If no one is offering this it may be because no one has your brilliance and you have a great product or maybe because it is not wanted/expected. 

There are some pretty nice discounts on many products and services offered as Perks to BP members that you might want to check out: https://www.biggerpockets.com/perks/proThe site has quite a few tools that can be helpful for new members.

You would be surprised at the different loans and products these credit unions have.

@Elizabeth Schartman If the criminal record says “claims unsubstantiated” it's little more than hearsay, and we cannot decline for that.

Some banks may have a portfolio product with different down payment requirements but it will not be a conventional loan. 

What's causing this decline in closing times?

For both options the treatment will be using the same method but different product / chemical being used.