Getting approved for more

[Chris Lopez]

Hi Everyone, 

I'm looking to get into a home to house hack in California.  I make 60k, have 15k saved, and have a 759-770 credit score.  There's also 2 down payment assistance programs that I would be using. The first is 10% as a grant/free money.  The second is 120k as a loan.  My problem is I don't make enough to get into the property.  Besides having a cosigner, does anyone have any advice on how to get through that door so I can house hack?  

I understand that you can leverage the income you can get on multiple units but there's still the problem of getting in the property.  Once I'm in, i can get the mortgage paid. I just need that in. 

Thank you,