Working with banks- Finding Money

[Shabre Gantt]

Hello

I am working with my local credit union to apply for a loan on a investment property. I want to do a conventional loan but they said i can only get that type of loan if i am purchasing a vacation home due to me already having a primary home. I want to buy in my backyard but the bank says my "vacation home" must be at less 50 miles from my primary residents. I want to go the conventional way because i will only have to put 10% down.  Any advance on how can move forward with getting the right type of loan?