Creative ways to Improve Debt-Income to Qualify for Loan Approval

[Colton D Lawrence]

Hello all,

I'm looking to buy my first multi-family. I have a large lump sum saved in an investment account for down-payment and any additional costs. I currently have no debt and make under $100k a year. Because of my savings and lack of expenses, I'm in a very comfortable position to make my first move, but because my income is mid, I'm unable to meet the Debt-to-Income requirements to qualify. Sure, I could look for a higher paying job, but I was wondering if anyone has any creative short-term methods to improve my ratio. I've heard that some people have used a trust account or something similar as a method of income, if you can prove history of payments and continuation of these payments. Would I be able to do this with an investment account?

Thank you all!

Colton