I can't get approved for the size of loan that I need

[David Edwards]

I work at a youth camp and I make a low income, but housing, health insurance,and other benefits make up for the low income.  

I am trying to get a mortgage for my first investment home purchase.  I have about $30,000 saved up for a down payment, but I recently learned that I can only get approved for a $40,000 loan because of my income even though I have excellent credit.  

I am looking for a 3bed 2bath home to rent out.  Maybe a $100k - $130k.  Any suggestions to make this happen would be great.  Thanks