House Hacking with High DTI

[Joe M.]

Hey!

I am trying to house hack a property, but am being told my DTI is too high and they cannot accept my future rental income to help it. DTI is at 53% they said. I am currently house hacking in a duplex, but would like to use an FHA or conventional loan to house hack another house. What are some options to get around the high DTI issue in order to obtain an owner occupied conventional loan (with only 5% down) or an FHA loan? I've seen find a lender that will give you a commercial loan regardless of DTI, but I'm only putting 5% down and will be living there.

Thanks!