Builder's funding source: payment plan red flag in Rajkot?

Builder's financial health is the real hidden cost, not just stamp duty. I work in real estate, but buying my own investment property in Rajkot makes me super cautious. I'm looking at a couple of 3BHKs near Kalawad Road, one by Aastha Group and another by Balaji Group. Both look good, but one's bank-funded, other is self-funded. My question is, does a builder being self-funded actually give us more leverage on payment terms? Ya phir bank-funded projects safer hain for investors from a completion and payment flexibility POV? For Krishna Kunj, I heard payment schedules were quite rigid. What's been your experience with these models in Rajkot? As an investor, where's the smarter play for payment plan leverage?