Multi family purchase

[Daniel Okorie]

I'm trying to purchase a multi family property in Houston tx as an owner occupied but running into dti issues because of student loans. Because of what I filed on my returns as income I pay myself from my businesses, under the income based repayment standard for my student loans I don't have to pay anything on my student loans. The lenders I've tried say that going FHA or conventional they must take 2% of my student loan balance as my monthly payment which throws off my DTI ratio. I have excellent credit in high 700s/low 800's and I have the perfect credit profile. The property I want to buy is $175k. I have enough for 10% down plus closing cost. I've talked to some private lenders but the interest is just ridiculous. Any suggestions?