Haven't worked past 2 years but have funds. PLEASE ASSIST

[Gabriel L.]

I've been in the hotel industry here in NYC for the past 5yrs (still there) which of course has taken a huge hit with the pandemic. I really want to get into small multifamily, but I haven't been working full time since the pandemic started and my hours have been highly reduced. How long would it realistically take me for a bank to take me serious on a loan? Like when I get back to full time and have that consistent income coming in, how long would the wait be for me to get approved? 

Currently I have up to 80k saved up (60k in a high yield savings & 20k in my checkings)

I want to get into househacking 4plex's using the FHA 203k loans while only putting in the minimum 3.5% DP and later on refinancing into conventional loans, and keep doing that year after year.

If that's not possible, is there another type of loan I can use where I won't have to wait the 2 years to get approved for a loan?