Financing an Owner Occupied Rehab (non FHA)

[Clay S]

I guess my situation could be worse, but I have a great multifamily under contract which very conservatively needs about $20k worth of work to be 'nicely' fixed up- new stucco, paint, carpet, updating bathrooms and kitchens, etc.

The problem is I already have an FHA loan, and won't qualify for the ideal FHA 203k program. Any ideas on how I could finance this rehab and mortgage together? Are there any conventional loan programs that would provide such financing? It might be tight financing with hard money at 70% ARV, but it could be an option, and then refinancing to hold as this will be owner occupied.

Any ideas would be greatly appreciated.