House Hack- How to add rental income to owner occupied?

[Jason Demers]

My wife and I are looking at a triplex in Florida, we currently live in Illinois and are trying to change permanent residency. We are trying to get a Pre-approval with just her income, she works remotely and I am an electrician. I am struggling with applying rental income to offset debt-to-income ratio. Please correct me as needed.

Asking Price $575,000

Down-Payment $150,000

Debt Service @ 4.25% $425,000

Monthly Debt Service $2,091

Insurance $271 ($3,242 Annual)

Flood $156 ($1868 Annual)

Taxes $503 ($6030 Annual)

Monthly Total $3,020

Current Rent: Unit 1 $1025, Unit 2 $1095, Unit 3 $895   

Total Monthly Rent $3015 (Currently all month to month leases but all want to stay.)

Market estimate on all 3 units is $1100 monthly. 

My wife and I would be taking over Unit 3, makes no sense but we thought it was the nicest, so win!

Soooo the math . . .

Total Monthly Debt $3020 - $2262 (75% monthly income/$3015) = $758 is what would go against DTI Ratio?

Total Monthly Debt $3020 - $2475 (75% Market Rent/$3300) = $545 against DTI Ratio?

or does the third unit not count because we live there?

Total Monthly Debt $3020 - $1590 (75% monthly income on 2 units/$2120) = $1430 against DTI Ratio?

Total Monthly Debt $3020 - $1650 (75% Market Rent/$2200) = $1370 against DTI Ratio?

My wife makes $3700 Gross Monthly, 800 credit scores, NO debt, no car payments, credit cards, student loans, Nothing. 

Even at $1430 a month that is 38.6% DTI Ratio, at $1370 37% DTI Ratio.

Was working with a loan officer and she said that we were around $1900 a month off with my wife's income. 

What am I missing? Is my math wrong? 

I can still show we have more for capital reserves, so while I am feeling shot down. I Refuse to take no for an answer.