"Yes! You do not need any ranks to simply get a familiar, that is rank zero, possible to do by accident. You pick a kind of animal and find a spirit that wants to live in that shape and be your friend. If its body dies or you dismiss it for a time, you can whip up a new one for it. It doesn't age. It is like the smartest dog, at this level, and totally loyal, and will get a bit brighter with ranks.
"Rank one, you lose any allergies you had to any animals or animal foods, and you can telepathically talk to your familiar even if it is between bodies at the moment. It can channel magic for you, if it is closer to where you want the magic done than you are. Rank two, talk to animals - not just your pick of species but anything that can normally be a familiar. They do not necessarily want to do what you say. Rank three, pick two traits of your species choice - not just things that are true of it for real but also things that are mythology or common misconceptions. Owls are dumb as rocks, but owl familiars can make you wiser, say. You can get water breathing if you have a fish, too, but not flight yet at this rank. Rank four, turn outright into your kind of animal. You can still do magic like this. Familiar, now as smart as a human, can turn into one. You look like the animalsona of your true form, animal looks like the humansona of theirs. You can blend stuff too, if you want just the ears or just the scales or whatever it is you have on offer. And rank five: the traditional familiar is a cat, and cat mythology says they have nine lives. At rank five so have you! Die of anything, wake up in bed at home. Refill lives by saving a cat's life, get one from a kill shelter. You can also spend your banked lives on dying animals or children you see, though this reduces not increases your lives total so it is not a good way to refill even if it does count as saving a cat life when you do it to a cat. Spend a life at will to de-age whenever you are getting long in the tooth, which will take quite a bit longer than it would otherwise."