House hack lending advice

[Andrew Toye]

I am wanting to do a house hack. The properties in this area (MLS) go for the mid 300k level. I switched jobs last year. I get paid decent, but some of it is tipped income. VA/FHA sees my income as minimum wage because of this and wont consider the tipped portion until I have been on the job for 2 years. I have a total of 30k saved between saving and 401k, and I have good credit scores. This would be in the northern Rhode Island area.

Is there some way I can finance a 340k-ish mortgage until my full income becomes VA eligible next fall?

Thanks for any advice!