HELP, I can't find financing for 4 unit 5% down. FHA SS fail

[Orlando Goodon]

I found an AMAZING house with amazing views and 4 units, but the rents in the area are too low. On the bad side of town, similar units go for up to $1700. The house is in the best part of the area. Great quiet tree lined streets. Existing leases are around $1700, so below market. I think they should be $2000+, but I just failed self sufficiency test with another property so I'm pessimistic. So I add $100 to the top rents in bad part of town for $1800 expected appraisal. That means we fail the test by $1700.

I'm going to lose this deal until I can figure out financing. I'd need $60k reduction on price and 3% interest rate to MAYBE pass with 3.5% down. That is a stretch. What are my alternatives?

I need a loan that does not require self sufficiency or even one with a 15% vacancy factor for self sufficiency. In this house, all units have rented in 2 week EVERY time, due to LOW inventory and the views and best area in town. 25% vacancy is ridiculous. All I could find as alterative is Home Possible Freddie Mac, I think has 5% down with no test.

How can I get financing on a 4 family were rents are low with 5% down? MAYBE 10%, down but that is MAX I can do.