What Financing Options do I have?

[Matthew John]

Hey guys, I'm in a kind of unique situation. 

I'm looking to house hack a multi family 2 unit that's currently going for around 110k. 

My issue is I don't qualify for a loan from the banks. I don't have a job, I've been self-employed for the last 6 months. 

My girlfriend is a full time student and only works part time, she made around 32k gross income last year as a Nurse. She has been employed in the same field for more than 2 years, but doesn't meet the income requirements to purchase the home. 

I have capital for a 20% down payment, but the lenders want to know where the money is coming from. My online business doesn't count because it hasn't been a full year and there's no taxable income until next year. 

I've talked with my parents about co-signing a loan, but they don't make enough money to qualify for a 2nd mortgage. 

Since I'm looking to live in the property while fixing it up, hard money lenders wouldn't qualify me. 

What other options are out there for financing? This seems to be the biggest struggle right now. 

Any help is appreciated! Thanks