House hacking strategy for second property

[Michael Orlando]

Hello bigger pockets community I have a question about how to get my second property. More than a year ago I bought a duplex to house hack with a conventional 20% down with 3.5 interest rate. I renovated the entire Unit B after I bought it. It took me 4 years to save enough money and want to speed up the process of buying. I was wondering would doing a cash out refinance or some HELOC be a smart way to get enough for a 20% down payment or should I hold on to my equity and do a FHA loan. I'm nervous about FHA because they seem to have high monthly payments. Does refinancing impact my original interest rate? What do you think I should do? Thank you for your time.