How to finance a total home renovation?

Hi There,

I don’t have a mortgage on my home or any lending. However, my house needs a lot of work and will easily hit 6 figures to the amount of renovations needed.

Does anyone have suggestions on how to finance a full house renovation extending to changing the heating system, adding ac and renovating kitchens and bathrooms?

My understand is I can get a mortgage, HELC or a loan. I would prefer not to leverage the house.

Thanks for the help 🙂