If the client wants fix and flips LOCs, that's a great option, and they can be done without dealing with a bank, one underwriting per year and no income verification. HELOCs aren't happening these days.

I work with a lot of lenders who do these types of loans. Please do reach out to me, email or DM me your phone number if you'd like me to call you. I can get a LOC that's like 5 times his current liquidity and the HELOC will actually help secure it as well.