Question about using the equity in my house to buy a multifamily

[Sara Simpson]

Hi! My primary home is worth about $2M and paid off. I would like to draw $1-1.5M from it to buy a multifamily property with a 1st lien HELOC. The problem is that my income doesn't support a loan of that size and I was told by a loan officer I spoke to that I can use the HELOC to buy an investment property but not a business. Not sure if a commercial property counts as a business but I'm guessing it does.

My question is- are there any other ways to tap into this equity?  With my income, I only qualify for a $400K line.  My credit is 750+ and I don't want to partner with anyone.  

Thank you!