Leveraging rental income on a house hack

[Adam Melon]

Does anyone know if there are banks that will include FMV rental income in the underwriting process for a 2-4 unit property one is trying to househack with zero landlord experience on their tax returns? I've spoken to 2 lenders thus far and both required I have landlord experience. 1 said i need 2 years of experience, while the other said i just need 1 year of experience. They both said they'd allocate 75% of the FMV of the rental income the properties generate. But because both had different criteria (1yr vs 2yr), im thinking maybe there's banks out there who don't require previous landlord experience. I'm a veteran so i do have the va loan, but i think itll be next to impossible to find a lender who will do va with no landlord experience, so i may just go FHA if that route will get me financed.

FYI, i live in Westchester county, NY. Thats why i need to leverage the rental income to help get qualified on whats likely going to be an 800k-1mil loan to get into a triplex or quadplex. 99% of the land in the country wouldn't be a problem for me otherwise lol.

The alternative is get the 1 year landlord experience, which I'm working on at the moment. Looking in Columbus, Ohio. Solid metrics out there. But if I can avoid waiting the year and can find a bank that will leverage the rental income from other units, I'd much rather go that route.

Thank you in advance for your comments.