FHA Loan Has Me Trapped... Need Help!

[VICTOR TEYE]

I bought a home in 2007 and refinanced in in 2011 using a FHA loan both times. I moved out of it after the refi and now it is rented. The current tenants are in a one year lease but may stay longer (possibly 5 years). I want to get into multifamily rentals and I currently have some money to start the process. But I can not get another FHA loan because I already have one, and to refinance out of this FHA loan and get into a conventional loan I'll need 25% down according to the bank (Wells Fargo) because it is now classified as a rental/investment property. I don't have 25% to put down to refi this home. My plan was to get into a duplex using a 203K loan and start out that way.

How can I get into a multifamily homes to start investing? Or am I stuck until I can refinance this home in 2019 when the value of the home is projected to have enough equity in it to get a conventional loan?

Thank you for your help!