house hacking as second home buyer

[Amha Demissie]

hello every one 😎 am new for this but i listen real-estate rookie so i need some help here so i bought a single family house in 2019 in Massachusetts and now i want to buy a 4 family so around Boston to buy a four family house is between 900.000-1.1m and i wanted to do a house hacking so i got 2 options to do take a HELOC for a 3.5 down payments and show for the Leander i have at lest 3 month reserve or pay 20% down at this point i don't know what to do