Recommended next move?

[Susanna Perenboom]

Just starting out with investing and looking for some advice from those more experienced.

In December 2017 I did a house hack with a duplex, got fantastic tenants to live in the other half and my fiancé and I lived in our half for the last 1.5 years. Last month I got a HELOC for $55k for the equity we've built. We're now putting the half we live in up for rent and will be moving into a friend's ADU which will save us about $600/month in ‘rent' and utilities. The duplex will be just about breaking even financially when we account for saving for repairs and vacancies.

What should our next move be? I'm a veterinarian and qualify for a few ‘doctors loans' which have 0% down, no PMI, but variable interest rates. We would have to move into any house we buy if we use this loan. Or we could put the $55k in HELOC money as a 20% down payment on a small SFH and we wouldn't have to move into it. My fiancé is a real estate agent.

Our goal is to add 2-3 more rental units to our portfolio before buying our dream home in the next 2 years.

Thanks for any advice, this community is amazing!