In Need of an FHA Owner Occupant Lender for a Triplex in Dallas ASAP!

[Arvin Daeizadeh]

I'm in escrow and my closing date is just a few days away and my lender has completely failed on me!!

I am buying a triplex in Dallas near downtown. I'm trying to get an owner-occupant FHA loan with 3.5% down for a triplex that I plan to live in (one of the 3 units).

I am an American living and working abroad with nontaxable foreign earned income and a flexible job that allows me to work from the US. The triplex is $460,000 and I am qualified to pay for the loan completely on my own. 

The problem my current lender has sighted is that the property has to ALSO be "self-sufficient" and be able to completely pay for the full mortgage (including MIP, taxes, and harzard) exclusively through appraised rental income after applying a 25% vacancy rate. Therefore, they are denying (so far only verbally) me the loan because the rental income is not high enough to pay for the mortgage, regardless of my financial ability even though I will be living in the property myself.