Any advice from a lender?

[Ryan Hall]

My rental property's post-hurricane-damage repair costs (beyond insurance payout) resulted in large expense deductions and an unusually low taxable income.

The loan originator reviewed my 2019 taxes, and said that despite my excellent credit score and gross income, I would not be able to get any loan because of the low taxable income for 2019.

I would like to speak with an investor friendly bank agent about steps I can take to close on a fourplex with a traditional owner occ 5% down... or any other ideas.

I have an equity line that I am looking to put to work ASAP. Any input and/or ideas are appreciated