CAN I GET SOME HELP ??? Please

[Marcus Martinez]

hello everyone, I am attempting to buy a duplex to owner occupy 1/2 and rent out the other 1/2. I spoke with a lender to get pre approved for a FHA loan but my debt to income ratio is not the best. And I also attempted to get a co-signer.... Which also didn't work because they already had a FHA loan themselves. The lender seems to not want to offer any info help on what to do, so I'm hoping I can get information and suggestions from my bigger pockets community. Can I buy a duplex with owner financing ? How do I do that? Basically, my situation is that I can't get approved for a loan and I need other options. Please help ... Thanks BP community ! :)