Buying a house after FHA duplex house hack

[Kailia Alexander]

So I received advice that I'm realizing might be wrong now. My bf and I bought our first duplex doing owner occupied with and FHA loan. I was told that with our next property we would be able to get that 3.5% rate one more time. My bf wants a house next and we compromised on that before doing anymore investment properties/duplex. I realize now we can't have two FHA at a time. Most housing in my area is around $400,000 (Wa state) a conventional loan is pretty hefty at 20% down. What are my other options? I was starting to look into USDA loans. Any advice greatly appreciated!