Heloc on multifamily?

[Milena Blanch]

I am purchasing a duplex and househacking with a Conventional 20% down and was planning on getting a Heloc to continue reinvesting. But my lender told me most bank don't do helocs on multifamily properties only single family residencies. Are there any banks you can recommend that will do Helocs on an occupied duplex once I close? 

Lender also told me for my next property I will need at least 15% down and 6 months reserve and since I already have a primary residency I would have to apply for an investment property. Are there any other options, once I close on my first duplex I won't have enough to get another property, only about 20K left.