Should I use a HML or should I use a partner ? Newbie

[Diana Washington]

Hello all I need some real advice here I'm really trying to get into REI. I already own a two-family the renters pay my mortgage. I trying to get another property fix and hold property. There's a property around my area that is 50k it need about 50k for rehab, my goal is to buy it fix it up rent it out and then refi in 6 months. There's just a few issues I don't know how to go about it I only have 10k in my savings I'm make $37000 a year. And I have to some debt to pay off but not much. I was wondering should I try and get a HML for this property? Will they qualify me ? Or do you think I should partner up with A family member to try and get a loan on this house? I can't get a home equity loan yet "it's too soon"the bank said... can I use my home as collateral with a HML Since I don't have that's much save please tell me you're advice!?! Really could Use it !

Much appreciated 

DWA