Fha has backfired on me?

[Lee Liberman]

I am28 and have successfully rented out my house while living in it for two years. I therefore created boarder rather than rental income which is reported on my tax returns. My credit is excellent. Due to fha guidelines this income is not included for debt to income purposes and therefore im only qualified for 125k loan with 20% down. I have a bunch of cash i dont want to use to invest and cant seem to find anyone who will qualify me for a realistic amount. What gives? Do i need to move out and rent a place so i can get a loan? The rule seems rediculous in my case. I have checked with banks and credit unions but they all follow fha guidelines for conventional loans as well. How can i get approved for what im truly worth?