How can I qualify for a large mortgage with low taxable income?

[Tyler D.]

Currently I am trying to finance either a duplex or a 4plex, which would be 350k or 700k respectively.

Of course, I want the 4plex for more units, but I'm struggling to see how I will qualify for the loan. It would be a new construction (units not occupied), so afaik I can't use the 75% of current rents to qualify.

I do have a decent income, and could easily make the payments, but the majority of it is not taxable (military benefits). I've spoken to lenders and they already said they would not consider it because it doesn't fit their guidelines.

So, what should I do? Obviously, I could ait and slowly build up to it, but I don't see a point when I can easily make the payments and the only thing stopping me are the banks' bureaucratic procedures. What can I do to qualify?