Having a hard time getting financing

[Allen Collins]

Hey guys, I'm in a situation that I feel some of you may be able to help me navigate through. I'll try to keep it short:

I have multiple LLC's and the loss the businesses took in 2021 basically negates all my W2 income which is primarily how I pay myself so I cannot get approved for anything off my personals. Off my 2020 W2's I was approved for $400k. My businesses combined generate a healthy amount of revenue so I was going to use the business to leverage a loan which I was approved. The rate is 6.5% with 2 points, not thrilled about that. The plan for the property is to live in it but also have a couple small airbnb structures (yurt or domes) in the wooded area as we are looking at multiple acre properties.

My question is, what other kind of financing can I look into and not get smoked on the rates? We are looking at homes in the $400k range and have 25% to put down. Based in NJ if that matters.