HELOC on owner-occupied duplex??

[Allison Stewart]

Hi all, my husband and I are looking into doing a HELOC on our current owner-occupied duplex (we live in one side) to help fund a down payment on another duplex. Does anyone know a local credit union or bank that will fund a HELOC on an owner occupied duplex? I've called Amplify Credit Union, UFCU, A+ Fed Credit Union, Velocity and RBFCU - RBFCU will do it but the amount that they need for an appraisal exceeds the 2% of our available loan amount, so that's against the law. All the rest won't fund a HELOC on anything other than a single family. Anyone have any ideas?