Financing for deal #2

[Jim Robertson]

I bought a duplex a few months ago and would like to buy another. My monthly payment is $585, monthly insurance is $60, and monthly taxes are $266. Both sides are currently rented for $1800 total. I am living rent free, and make 45k annually. I spoke with a mortgage officer today, and he said that I wouldn't be able to buy a second property for two years. He said it takes two years to count the rental property as my income. Until then, my debt to income ratio would be too high with 2 properties to give me a loan. 

Do I have options besides saving up for a bigger down payment or hard money?