Need help finding non-bank options for mortgages

[Keith Miller]

I'm a beginning investor who is turning my single family home into a triplex. I installed a door to create a separate entrance to the finished basement, which we are now Airbnbing, while my wife, son, and I live upstairs. I'm just finishing up the permitting to convert the detached two-car garage into a small single bedroom apartment, so it will be a total of three units. What I'd like to do is buy a new house and move into it, and Airbnb all three units in our current house. My current job is a 54K per year teacher, with a wife who takes car of our kid, so our income is fairly low. I know that I'm going to have a hard time getting a conventional loan from a bank for our new house, as our debt to income ratio is high. We currently owe 260K on the house, after putting 20% down. We'd ideally like to buy a similar home, in the same neighborhood of Missoula, MT, and repeat the process of turning it into a triplex. What I'd like your help on is identifying what other options I have besides a conventional bank loan. Can you help me out?