@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. 

Typically, you can only do one rollover per 12-month period (again, IRS Publication 969 has the details).In the end, having the option to invest your HSA funds is usually a better bet than letting them sit in a basic savings account.

I feel this gives me the flexibility to find the right solution for my client and not just sell what my bank offers.I'll also throw in my 2 cents on common differences I've seen in my career:CDFIs - Because of their subsidized financing structure, they have the ability to be a low cost lender (and sometimes provide grants).

You do that, it's going to be best place to start because I am betting from there you will seek how to simplify things. 

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

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.

As Pat mentioned you have a lot more flexibility with home 1 because it has no mortgage and is not owner occupied.

Then your best bet are probably community banks which have more flexibility (albeit worse terms) than larger banks and also worth looking into are DSCR lenders.

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

It’s a bonus if the bank offering the HELOC also handles BRRR loans — they’ll be more flexible and accommodating when it’s time to pay off the HELOC with a new loan!