How strict is the FHA Self Sufficiency test?

[Bintou Diallo]

HELP! it been 3years now I’m trying to buy a property but it seems impossible for me. I been under contract for with few properties but things always goes wrong.

I am under contract with a 3 family multi unit in New York with FHA loan 3.5down deposit property cost is 1mil. I got declined for not meeting the 75% rental income paying for the Whole mortgage. I really want this property.

my question is are there any banks that you might know who are willing to over look that requirement and help me close on the property??? I make over 200k a year. My income is not a problem. Please help me find a bank that have a chill under writer who can approve my loan because I don’t want to pay over 200k down deposit that’s literally all of my cash. Thank you.