The results of my Round #1 were as follows: Bank Of America - BOA ADV TRAVEL/CASH – 0% APR on purchases for 9 months Approved $16,000Capital One - SPARKS SELECT 0% APR on purchases for 9 months.

I'd never heard of recasting until a loan officer at BoA sat me down a few years ago and explained it to me. 

Will big bank such as BOA or Chase offer mortgage (typical 20% down) to this type of property (high-rental-occupied)? 

As an agent, you should know that Wells Fargo, PNC, BoA, Quicken etc. are all looking for reasons to deny loans at the last minute.

I show the video of the boa execs having great money and losing alot cause it is tied to stocks, stocks fluctuate for most part.

Second mistake: BOA and Chase bank both had policies they would not give me a re-finance for a mix-use property (I bought in cash).

(or John Hancock, UBS, USAA, BoA, etc.)There are a few government regulations in place to try to provide some consumer protections, but they are rarely enforced. 

In my research I've found that the house is owned by BOA and I don't think the reserve has been met but will they not budge?  

This is somewhat incorrect.They ruled that a 2nd mortgage can't be stripped in a chapter 7 BK, which was only done in the 11th Circuit.Based on BoA vs Caulkett they shouldn't be able to strip in BK13 but it might take a long time before it's challenged and enforced. 

The 2nd mortgage holder is BOA which I'm told is not very responsive to these types of scenarios.