I use strict / flexible cancellation policy.

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

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

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.

Find one that can be custom to your needs, has flexible pricing, no long-term, high-cost memberships, and excellent customer services to determine how to best market to your leads.If you would like a referral code or more information please let me know :)

@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. 

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.

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

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