How to get home mortgage on 46 percent debt income ratio

[Enkhmanlai Enkhbaatar]

Hey guys, I need some help, i took out personal loan of 26k for day trading and my friend and I lost lost of it. So now I have been trying to pay it all off but my debt income ratio is 46 percent and I called lender and they said they can offer around 25k lol. My credit score is like 709 and I have 10k for down payment. My monthly debt is 1200 and my income monthly is 3000. So any suggestions what I should do.