Need feedback on what to do with unique situation.

[Samuel White]

Ok here is my situation I have credit in the mid to late 6s my gf has the same.... I have taken over the mortgage on the family home, and it is still in my parents name (I am currently renting). I am a veteran but have had trouble getting approved for a va loan. I have about 20k in cash and over 100k in equity in the home.. I am looking to get into a duplex or 3 plex as a first home and am wondering if there is Any way around this besides simply waiting for my credit to improve.