What would you do?

[Nicholas Stevenson]

Hey my Name is Nicholas, I'm running into a problem with financing, little bit of a backstory I've recently turned 19 and have been working in solar sales for the past year and before that I was working at a pizza place. I love real estate and everything about and have been listening to bigger pockets for about 3 years now coming up on 4. I am in Missouri right now staying in cheap hotels for work, I got out here a month or two ago and the plan has been to buy a property, preferably a duplex.

I did pretty well selling solar last year and have saved up some cash to use as a downpayment for the first property. I found a really good duplex that checks all the boxes and its at a great price only 120k, the other side is already rented out for 650 a month. I went and did a walk through and am ready to put in an offer I just cant figure out the financing. I have about 50k in crypto stuff, 21k in a Roth 401k, another 11k in some stocks and 9k in a checking. I also have a 740 and a 760 on credit karma. The problem Im running into is my work history. The lenders I've been talking with don't know if its possible just because I've been doing self employed work for only a year now and they want two, I've thought about a DSCR loan but I don't want to commit mortgage fraud. The seller of the property won't accept government loans as well so a FHA is out the window. I'd rather not ask my parents or family members to co-sign either

So the question is what would you do and recommend in my situation