Buying more after FHA- not eligible for additional mortgages

[Sylvia Kuzminski]

Hi friends! I purchased my first multi family using FHA in June 2016. For various reasons, I actually regret using CHA. Anyway, I am looking to acquire more and have run into a problem- I don't have 30% equity and cannot provide 2 years of tax returns showing my rental income. Without being able to use rental income for another loan, it appears that I have a ~50% debt-to-income ratio! (I was able to buy because the lender considered 75% of the existing rental income). For now, my mindset is if i want to get anything in the next 2 years, it will have to be an all cash purchase (assuming I buy alone rather than team up with someone). I'm wondering if anyone else has been in this situation and what your gameplan was or whether anyone has some creative financing ideas? I do not want to owner occupy again/ lease to own. Any tips are appreciated!