Mom has too high debt to ratio to qualify me/her for loan?

[Hae-Yuan Chang]

Hi there! 

I live in Orlando, and I am trying to buy the property that I currently reside using an FHA loan. My mom was going to be the non occupant, coborrower, since I am a full time student with no income. I was just told that my mom's debt to ratio was too high, meaning that the current mortgage of her home plus the mortgage of this home in comparison to her income is too high. She makes around 37k, working part time by choice. We did't think this was a problem initially since we knew the property would produce enough income to cover the mortgage plus cash flow. But we can't use that to our advantage. I live with the seller, so I was thinking partial seller financing?

I would appreciate any creative financing techniques that may be good in this situation. Could I get a hard money lender to lend half of the loan to the seller, if she doesn't want to do seller financing? Anything to qualify the debt to income ratio would be great. 

Thank you so much!