Getting a house hack loan approved with student loans

[Leonard Sanford Jr]

Good Afternoon BP,

I am reaching out as I am in the process of seeking out lenders to finance my first house hack deal, a 3 bedroom 2 full bath Colonial. From what I have learned early in my investing career, is that your DTI ratio can play a huge role in determining whether or not a loan is approved from an Underwriter. Given that knowledge, I know that my personal DTI ratio may be a little higher, although I am still currently in school and my loans are all deferred. As I navigate through this process, I would like to know whether or not there are specific types of owner-occupied loans that are more amicable to a person with my DTI situation? Would seller financing or a land contract be better to seek out? Much love and thanks in advance for any new knowledge or wisdom!