Multi-Family Loans for Low Income

[Hunter Lisk]

Ive been saving up my money and and was hoping to be able to find a multifamily this summer, but today I went and talked to a lender just to get some general information on loans (mind you the person I talked to wasn't a mortgage consultant so he couldn't tell me anything definitively), and after some discussion he told me that I probably wont be able to get a loan as I currently only make $20K a year.

This is where my questions come in. Is he correct in saying that because my debt to income ratio will suck? I have lead to believe that since I'm looking into multifamily (from a duplex up to a 4-plex) that the bank will look at It differently, as they should, because the other tenants will be paying for the expenses of the house. The guy that I talked to countered and said that probably wont be the case because renters aren't guaranteed.

Any help on this will be appreciated!!