Like Jay said, there can be more flexibility in repayment options. 

However, for longer-term profitability, flexible loan terms often have a bigger impact, especially with interest rates or repayment structures that align with your goals.

We can be flexible when we pay them back.

@Helena Goyvaerts it will be tough without 2+ years of USA tax returns showing you are profitable.Higher interest rates have negatively affected most lenders and many of them are getting more aggressive with offering more flexible programs. 

I've seen many people suggest a cash out refi but I like the flexibility of the heloc.

Over the years, I’ve learned that offering tiered returns can be a win-win strategy—it rewards investors for their level of commitment while helping us maintain flexibility in our business.

You could also explore seller financing or a bridge loan to give you more flexibility.

What are the pros and cons of each, and which offers the least restrictions, flexibility and cost savings for my intended purposes?

However, they are not as flexible as Fannie, Freddie and FHA.

A HELOC offers flexibility and lower interest rates, which can be ideal if you’re looking for short-term financing with lower payments during construction.