House Hacking afordability

[Kyle Mason]

Hello,

I am a beginner real estate agent and investor. I recently bought a 4-plex conversion and had to sell it on a subject two less than a year later. The next property that I get will be a house hack that I will live in. I have one small problem I need help solving.

My question is what are my options on qualifying for a loan if the property is more than what I qualify for?

My situation: I currently can only qualify for a loan of $210k, because my subject two sale; that loan is still on my DTI ratio. I was offered a duplex for $350k two years ago but I couldn't get funding due to my DTI.

What options do have if I find a two, three, or 4-plex in the $300-$400k that is a deal?