Hi Aaron, I actually was to find several banks that offered some form of HELOC option (Frost Bank, Chase, Bank of America and Citi). However, since my home at the original close was paid cash (with an undocumented loan from a family member), when I refinanced my home after the seasoning period, the only way I could do it was to get cash out to payback my family member.
That cash out transaction (even though it was a conventional first mortgage) fell under some Texas Lending Law 50(a)(6), which hosed me and my ability to create a revolving line of credit even though the first mortgage was fully drawn and there was plenty of room for a second mortgage at 80%LTV.
Ultimately, I had to do another cashout refinance at 80% LTV. Thankfully, I had multiple non-consumer uses of the capital to offset the cash flow increase on my primary residence, so it worked out (even though I was completely concerned I'd be stuck with out an ability to take advantage of my home's equity)
One big lesson I've learned in this process with my primary residence, is the laws totally work for the lenders and against the consumer. Unless you're on a Dave Path freedom on your home that is calling you to be completely debt free in all aspects of your life, never pay cash. With the seasoning period and the inability to subsequently unlock equity through a HELOC, the cash at close option (assuming there isn't a hard money lender there with you) creates way too many restrictions on the back end.