House Hacking, with other rental debt and low income

[Nate Marroquin]

Hello!

I am trying to get a second property via house hacking and have some questions for anyone who's willing to answer. I am a resident physician in dermatology, during medical school I bought a property in Denver with an Interest rate of 2.75% (COVID rates lol) with the goals of renting it out when I moved onto the residency. Now that house has been rented out for the past two years, and I want to buy another possible duplex or triplex to house hack. However, my debt to income ratio with that home loan, and student loan doesn't look that great currently and I don't have much for a down payment. In the next 4 years my income will drastically increase, but I don't want to wait 4 years to buy another property that will be an investment. I do know of the physician loans, I am also a veteran so I have the VA loan, and I was also looking at the FHA loans, but can anyone give me any insight that will help me get into a multi family with the salary situation I'm in?

Thanks!

Nate