I've done the Cayo Perico heist 47 times, and the only strategy that works every time is the "long route" with the Kosatka submarine. The short route is patched 90% of the time, and you'll waste 20 minutes only to get $100k.
The long route takes 45 minutes, but you get $1.5M every run. Bring a sniper rifle with thermal scope, grab the primary target (Pink Diamond is best), and avoid the guards on the main path.
Don't fall for the "15-minute heist" YouTube videos. They're either patched or require glitches that get you banned.
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