trouble financing 4plex with FHA loan

[Jameson Sullivan]

Im freshly out of college and want to get into multi family landlording as my long term investment strategy. I met with a bank this morning and they informed me that my income has to actually cover the payment alone and the other 3 units would not be considered into the FHA approval. I was slightly surprised to hear this and a little bummed out. I get they have to cover their asses in a worst case scenario but it seems to me that loaning 250k on a 4 plex is a much safer bet than loaning me 100k on a single family because no matter what the loan on an SFR, if I lose my job, I can't pay... Anyways, you all understand that already. property values are too high here and I was okay with that, thinking id be able to get in anyways but now I don't think I will qualify for really any 4plex in my area.... Thoughts? Suggestions?