stuck on second property

[Ed Naraa]

Hello, My husband and i bought house last year year with FHA and we lived in for one year and fixed it. Now we are renting it and its been good so far. We are currently living with our grandpa and want to buy our second invesment property but we want dulplex so we can move into one of the dulplex and rent the other one out. Currently we have 10k in cash and was looking for conventional loan, but 20 percent is a lot for us and we gotta wait it least one year to have 20 percent. Currently our cash flow is great, 2800 month after all expenese, this with working 9-5 job. One of my thoughts was just to get Personal line of credit and get some cash buy the dulplex but its gonna credit my credit score. any thoughts one this?