Buying Your First Home as a Single Person Timeline Graphic

Real estate infographic titled "Home Equity Loan vs HELOC". Create a HOME-BUYING TIMELINE adapted as an inspection / renovation-style comparison timeline for an investor / landlord audience, using an editorial real-estate magazine illustration approach in isometric 3D with a professional blue & gold palette. Show 6 numbered stages laid out clearly left-to-right or top-to-bottom, each with a short English heading, a time estimate, an illustrative cost example in CZK (Kč), and a small property or document icon. Compare both financing options visually within each stage using clear parallel callouts, cards, or split panels.

Stage 1: "Equity Check" — time estimate: "1-2 days" — example cost: "example Kč 0-2,500" — icon: house with percent symbol.
Stage 2: "Loan Type Match" — time estimate: "1-3 days" — example cost: "example Kč 0" — icon: checklist document. Show fixed lump-sum Home Equity Loan versus flexible draw-line HELOC.
Stage 3: "Application Review" — time estimate: "3-7 days" — example cost: "example Kč 1,500-6,000" — icon: application file with magnifier.
Stage 4: "Valuation & Terms" — time estimate: "5-10 days" — example cost: "example Kč 4,000-9,000" — icon: property clipboard. Highlight fixed rate / fixed payment for Home Equity Loan and variable rate / revolving access for HELOC.
Stage 5: "Renovation Funding" — time estimate: "2-12 months" — example cost: "example Kč 150,000 draw" — icon: paint roller and small building. Show one-time lump sum for Home Equity Loan versus phased draws for HELOC, relevant to rental upgrades and unit turnover.
Stage 6: "Repayment & Risk" — time estimate: "5-20 years" — example cost: "example monthly payment Kč 3,500" — icon: calendar and contract. Show predictable amortization for Home Equity Loan and fluctuating payment risk after draw period for HELOC.

Include a small side comparison legend with English labels only, such as: "Best for", "Rate Type", "Payment Style", "Access to Funds", and "Investor Use Case". Add tasteful charts, arrows, mini renovation scenes, building cutaways, coins, folders, and keys. Keep all numbers clearly marked as illustrative examples. Do not use any real bank, brokerage, or lender logos. Do not imply city-specific guarantees or specific listing prices. Render the target search intent only visually, not as on-image text.

All text MUST be written in English (array). Every heading, label, caption, legend and metric name in the image must be in English — not English. Spell each English word correctly using English characters and diacritics. Numbers stay as digits, illustrative numbers labeled "example", no specific real-bank or brokerage logos, no watermarks. No real bank / brokerage / lender logos. Illustrative numbers labeled as example. No specific listing prices or city-specific guarantees.