Heloc versus Commercial Line of Credit in Maryland- Recourse or Non - Recourse loans

Hope all in the community are well and navigating safely during this moment in time.

I had questions as trying to free up some cash for situations to handle mortgage payment for rentals when tenants stop paying due to the situation/ possibly purchase below market homes

Is it wise to do a refi with cashout on my 2nd home with no loan balance versus getting a heloc in maryland

Also in Maryland is a heloc loan a Recourse or Non-recourse loan

How about getting a Commercial line of credit on Rental property is that a good wise decision versus doing a refi with cash out, since its hard to get a straight heloc on Rental properties.

Please advise, Thank you all stay safe.