Starting out in an expensive market

[Samuel Smith]

Hello, 

My name is Sam Smith. I am a 22 year old Consumer Loan Underwriter in Montana. I recently graduated and have been saving everything I can in order to get my first primary home. The area I live in is on the up and coming and property prices have shot up over the last year. the median home price is at the least 500k. I am really dead set on living here though and want to make it work. My ultimate goal would be to get a single family 3-4 bedroom and then rent out the doors and have roommates. From the lenders I have talked to they can only take into fact duplex rental income, so I wont be able to account for any future income with a single family. There are some properties around the area that are 350k and I would hope to get approved for something around there. I think FHA is really my only option that I know of because of my proposed DTI. Here is some of my current financial information to help gauge where I am at.

No Rent Payment

Credit is over 720 

Gross Monthly Income: 3206

I get additional income. Through Turo and  Doordash when I can, but cannot use it in my application because I don't have two years of tax returns.

I have a total of 30k in debt from a car payment and student loans. If I liquidate the cars that I am renting out I would be able to pay both of these off. I feel like that would be my best plan.

I have plenty for a FHA down payment or even a conventional 5%.

I currently am thinking about just applying with these independent mortgage bankers, because it seems like they can approve people with higher DTI.

Is there anything I can do to better my chances of getting approved, so I can start house hacking??