These factors include if you are a biz owner or not and if that business is a real estate related one.

Today I am a fairly new owner of a quadplex, a duplex and a condo which is currently used as a STR. 

The seller is open to seller financing, which presents an incredible opportunity to grow without traditional bank financing.

My last visit was in 2021 and owners were limited to one guest per month.

Simple answer - yes you can alter your funding source after putting it under agreement if you chose to use a hard money lender instead - i would just communicate with seller that hey I was going to use cash (assuming you have it from your heloc) and instead will finance some of it but let them know its not contingent on financing.

You're likely looking at a 25% down loan for a non-owner occupied. 

I’ve done a couple of fix-and-flip projects in the past using a hard money lender (HML), which has its pros and cons.I’m currently looking at a couple more properties and trying to decide if I should go with an HML again or explore other financing options.

You do that then you could have a lot of cash available to finance your next purchase and perhaps renovation costs as well.

This simple update has big implications for property owners, allowing small repairs and maintenance to be handled more quickly and affordably.

You must have your personal finances in order before you invest.