I wanna BRRRR into a househack, but my DTI cant handle the ARV :(

[Daniel Porter]

Theres a duplex in a very great part of town for $300k. it'll need everything pretty much, including installing HVAC. Structurally its solid though, and the roof seems fine. the ARV, going by ave $/sqft, would be close to $460k.

I could probably rent the other half out for $1500~. 2/2, 1200~sqft. 

my problem is, my DTI can handle a mortgage for $300k, let alone trying to do a cashout refi at $460k. I'd like to just do a rate and term refi, for lets say a total of $360k. That would put the PITI around $2k/mo, and I'm totally fine with paying out of pocket per month on this place, because im very okay with the location and the markets fundamentals (Dallas, TX). and once i move out, it will cash flow at roughly 1.5 DSCR. plenty of room for stuff to go wrong! haha.

Does anyone have any idea how i can hold on to this after i rehab it?? i just can't see any lender letting me live there. Maybe i can get a DSCR type commerical loan for it, and then move into it once i can afford it? or hold it in my S-Corp and just rent it to myself and the other tenant so the rental income is $3k instead of $2k??? 

Trying to get creative here, any help would be much appreciated! 

-Dan