Trying to find a way to finance a duplex without 25% down

[Carnell Mitchell]

My name is Carnell from Cleveland Ohio and I am new to BP. Im looking for some advice on how to finance an investment duplex without putting 20%-25% down. Unfortunately I bought my SFH before I knew about house hacking strategy. I have a fha mortgage (3.8 interest rate) on my current home that I've been living at for about 16 months, so I fullfilled the owner occupancy requirement. I live with my gf, but I am the only name on the loan. Any way I can use this to my advantage to maybe owner occupy a duplex using her name? Or are there any other ways to get my portfolio started?

[Peter Tverdov]

I wouldn't go in on a house with a "girlfriend", that's a bigger risk than using an FHA loan IMO.