Commercial loan for primary residence?

[Frank Macias]

Hello all,

Looking for a creative way to finance a new construction of a primary residence. We plan on living in the home but also building an attached mother in law suite and a detached garage both of which we would rent out for income. 

I currently own a SFH and a duplex in which we live in 1/2 of the duplex. We have a lot of equity in the properties as well as the vacant lot we own but my DTI is too high and so I don't qualify for a conventional mortgage. Any suggestions? Thanks for your time and responses.

Frank