Refinance in low income neighborhoods

[Jasmine Wilkes]

Hi all. Was wondering where to go to do any refinancing on homes in low income areas.. the houses are under 100k more like 50k to maybe 80k.. banks have a minimum house worth 100k.. I own it free and clear so there is no mortgage.  So can't do a heloc cause they want you to have a 1st mortgage already.. who does refinancing on house under 100k? And with the money I would rehab the house adding a bed and a bath so I'm adding value to the home and with the rest I will be using it to acquire more homes with my llc and work my company 100% of the time..