@Scotty understand you said it's a financial limitation but have you spoken with an expert in these cases? It depends on the exact issues with the heart, but some conditions can be issued as special issuance medicals.
I know someone who was back in the air six months after a heart attack. That's not common but it's also not impossible --
Depending on the specifics of the case.
You need an expert like Doctor Bruce Chien or others who specialize in difficult medicals, and have to follow their instructions to the T.
And I do understand the problem may be that you've talked to one of these folks and the tests needed are too expensive under some circumstances.
Just mentioning it because many people are fooled by AMEs who simply don't know the process and make it too long and drug out and wait for FAA to ask for things instead of the other way around. You want to go in fully prepared to demand a "yes" from information someone knows about the concerns they have, not the usual doing it all backward once they find something and start asking for this, then that, then this, then that.
Have you spoken with an AME who you feel confident could get all the right information to FAA in a single pass and not mess around? If not... Bruce or someone is worth a phone call and a consulting fee.