First plan fell through... Advice?

[Anthony Patrizi]

Hello all, I've had the plan of refinancing my current fha loan to conventional then purchasing my second duplex fha again to be able to have a low dp. 

I've been owner occupying this one for 2 years and 2 years ago I had 2 appraisals for 125k and 127k. I used a mortgage broker who was lackadaisical and I had to constantly stay on top of him. When we finally got to the appraisal time the appraiser was in my house 5 minutes didn't ask any questions and my appraisal was only 100k. On his report he showed 3 other duplexes in the area none of which had a garage seek for about that price.

I asked my mortgage broker about getting a second appraisal and he just has no motivation and I told him I was just going to go another direction. 

Now I'm wondering if I should try to refinance this one into a conventional again, if I should go for another FHA, or another route (I was told about a 80/10 but I haven't looked into it yet). I think I'll be eligible for a second FHA because I have gotten married, have a step child now, we have started foster parenting so we fondant have more kids at the house. I think that will get me through the addition to the family clause of a second FHA. Will they care it's a duplex going this method of a second?

Thank you for any help, advice, or recommendations in advance!