Can't Qualify for Owner Occupied

[Michael N.]

Hi all, I've been house hacking a duplex for over a year (fulfilled one year occupancy) and was in the process of qualifying to house hack another multi-unit, but the 2 lenders I've talked to won't qualify me because they say the new property needs to be > 50 miles away to justify another primary residence loan. They said additionally, because I'm looking at quads from a duplex, it looks like I'm trying to get investment properties for a lower interest rate, even though I plan to live there for at least a year. Any advice?