Best way to establish a $100k credit line?

[John Johnson]

I’m looking to set up a flexible credit line or short-term financing option with minimal out-of-pocket costs until I actually need to draw the funds. Ideally, I’d like to have access to the money within 48 hours of requesting it. I’m happy to complete all the necessary paperwork and legwork upfront.

I’m only looking to borrow for a short period — likely 3 to 12 months.

Last week, a builder I’ve purchased from before contacted me about a home they’re willing to sell below market value to meet their quarterly targets. They were very negotiable on my last transaction with them, but I’m not certain this opportunity will occur again. Because of that, I’d prefer to avoid significant upfront fees for establishing the credit line.

My primary residence is fully paid off, and I also own several rental properties. I'd be open to a HELOC if that makes sense. I have a strong credit score and solid income, though I'm currently not employed.

Could you please share your recommendations on the best path forward?