Owner occupied vs. rentals GO!!! CALIFORNIA

[Patrick Watters]

My questions are, I'm currently at 96% debt to income with just my current pay check,and the bank tells me that since I don't have two years rental experience they don't want to use the income from the rental properties that some lenders won't use that. But if I do use the projected rental income I would be at a 53% debt to income, which is still not enough unless I put more money down I talked to a couple friends that are in real estate and some suggest that I claim that it is owner occupied and just rental all four units that the bank doesn't care once the loan is processed.what should I be worried about if I were to approach that option or are there any alternative options to this, any opinions regarding this matter help thank you