Bank is doing a 80% loan. 

Go to a local bank and ask how you can get a loan for 10k.

Why not find another W-2, transfer the 401k there, and have some safety-nets to fall back on?

I would rather invest into RE then put the money into the bank where you get your .001 interest.

I personally don't know anything about the subject you are asking, but I would say to contact your loan officer and/or the bank you plan to get the credit card from.

Hello all I'm currently in the process of searching for a bank to do my refinance, and figured Id search some advice on here before making any final decisions. 

Can they transfer it or sell it? 

However, depending on the motivations of the seller, you may find a way to carry some seller financing if you use a local bank or something of that nature.

Should I transfer this cash into a business bank account?

My brother and dad plan to invest with me so we will collectively come up with the money for the 20% I assume a conventional loan will qualify but I’m concerned the banks will not see me as a viable candidate for a loan since I still owe so much on the house I just bought (my brother also bought a house August of 2017)Are there any other loans other than conventional I should be looking into?