Buying my first property,, fourplex and FHA questions

[Nicholas Butler]

I've got a question about getting an FHA loan? I've been working with a mortgage broker to get my deal worked out. I am trying to get into the property with the lowest down possible. Here's the details: 4plex 200k sales price. The seller has agreed to pay all closing costs if we structure them on top of the 200k. I have about 10k to put down as a down payment. My DTI is bad I am a bartender I need a co-borrower to qualify for anything. My father has agreed to sign on. He currently has a FHA mortgage on his home. My loan officer claims this is the reason we cannot go FHA. Is this true or is it an overlay or additional requirement based on his company? I'm hoping to close on this loan by October, and worried if I can't go FHA I won't have enough cash on hand to get the loan. Any advice?