4plex Under Contract - Financing Trouble

[Kendall Short]

I’ve got a 4plex currently under contract with a 60 day closing (Aug 4) in Saint Joseph, MO. 

Quick backstory: $305,000 purchase price, using a mortgage broker. 

FHA Loan, owner occupying 1 unit.

PITI is $1933, current rents of 3 best units are $2215 (795,795,625). All well below market rents as they should be AT LEAST 850-900.

My lender wants 10% down FHA, 4.76%, 30 year am, with all three units having new leases signed at an average of $900 per month.

I don’t know know how I can have existing tenants and newer tenants be under my leases prior to closing, but I understand that mortgage brokers have to go through very strict criteria to sell those loans to FMae/FMac. So I’m heading to local banks tomorrow to hopefully have them work with me on the deal... do any of you have any advice on how I should present the deal to the local banks? I’ve got some DD along with all of my paperwork they need, as wel as the BP deal analysis. Also, if you know of any local banks in the KC area that work magic, let me know!!