Advice on FHA rule changes?

[Blake Williams]

I have been working on getting an fha loan for a duplex to get into real estate investing and have come across several hurdles along the way.  As a recent college graduate, my student loans were one of the biggest issues.  I was told that even though my payments were $0 per month because of income based repayment, they needed to be deferred instead otherwise they would consider my payments to be a percentage of the total loan per month.  They would essentially pretend I was paying $800 per month instead of 0 which severely limited what I could borrow.

I managed to get my loans deferred by getting myself back into school (online classes), but now that they are deferred, my mortgage broker is telling me that the rules of fha are about to change and that they'll have to use the percentage again which brings me back to square one. 

Does anyone have any advice for what I can do to make this work?  I'm not certain what I should do right now.