How to house hack after switching to new, commission-based job?

[Nick Jasinski]

Hey everyone - I am in the Boston area and have done a ton of planning and research to prepare to house hack in the next year. Recently, I switched jobs to scale my career and do something I'm passionate about - it is more commission based and in a different industry.

I know FHA underwriting looks for 2 years of work experience in a given industry, as well as a steady salary. Given I still have the money to house hack a 2-3 family in the Greater Boston area - how do I get around the FHA qualifications? I do not want to wait 2 years to invest.

Portfolio Lending seems like an option, but I am not sure how much you typically need to put down or what the rates in MA are for this?

What other options would allow me to qualify using my savings and commission payments? Thanks for any creativity and/or experience!