How do I get a 2nd house to house hack given my situation?

[Mike Schorah]

I own my own home. I’d like to buy a second property to live in and rent out my current property.

I have a $50k HELOC on my primary residence taken out in January. I haven't spent any of the $50k HELOC. Is there a way to avoid the fee to close the HELOC early?

I heard that I'd need to refinance my FHA into a conventional before I could take out a FHA on the second property. Could I just use a DSCR loan to house hack? In other words, could I get a DSCR loan with 3.5% down and an interest rate similar to FHA?

Also is it ok that I have 3 one month gaps in my work history in the past 3 years? I’ve been in the same industry for the past 8 years. My credit score is 715.