House Hacked First Home Looking to buy 2nd Home

[Blake Clement]

I house hacked my first home and rent out the bottom for 1100/month. My wife and I will be having a kid soon and want to basically duplicate what we have done with our first home but with a bigger house. We have rented out the bottom of the house for 2 years. We would like to keep our first house to rent out the top and bottom while renting out the bottom of our larger future house. I just talked to my real estate agent and he said he doesn't think we have the capital to make that work right now. We have 10k in savings, and 13k in a 401k/Roth IRA. The real estate agent said that in order to find what we are looking for we would need to look in the 400k price range and have to put a minimum of 5% down. We have high credit and low debt. How would you suggest getting the capital for the down payment on the next house?