Mortgage approval options

[Carter Logan Mast]

I am 19 and would like to buy a 4 plex multi family rental unit that is fully occupied. I do not have a lot of experience on the legal side and getting approved for a loan is almost impossible. My parents bought the house because they can get approved but plan to sell it to me after I am approved for a mortgage. Is there any legal loopholes to get approved that do not require me quitting my seasonal jobs that pay more to maintain a steady job for 2 years also meaning I have to wait two and a half years to purchase it from them