I am fairly confident Tatum McDaniel at Jacksboro National Bank said they can, but I believe she said 25% equity must remain.

How do you effectively determine this and how do you propose to the bank to support your rehab costs (again guessing this has to come out of your pocket?)

They'll go see a realtor with the fantasy that they'll get full retail and potentially wind up losing it to the bank, at which point it poses the risk of short sale, which may be worse than a foreclosure.

How can I use creative finance from the seller so that I do not have to put down a large amount and through a bank. 

Would it make sense to invest in improving my home, then refinance with a bank to extract the created equity, and then use that money to purchase a rental property?

Chime is a company that has created a bank account system that allows them to report "payments" to the credit bureaus, but it is NOT a vaild tradeline in our opinion. -- To consider a credit score as valid, we look for at least two open tradelines that have a minimum 24 months positive history and two more at least 12 months.

They’re super cool and hip but according to every bank in the world they’re not real estate.

So, you'll be looking for those with some correctable reason they can't get a bank loan.

It did take a commercial loan, and only one bank in our area were willing to do it, but the interest wasn't terribly high (though we do have to refi in 5 years).

my self I have  been with my same commerical Banker for over 30 years without him I would not have made it through 08 to 2011.. loyalty is key,that said I have borrowed from one other commercial bank as well. my loan facilities are not what most are doing.. they are land and development loan and vertical .. and a few commercial buildings..