You should be able to get another owner-occupied loan with no problem, as long as it isn't an FHA loan. 

And they choose all these ridiculous methods that simply rely on pure LUCK to get a deal.If you have a problem, a question, want to know how many gold medals the USA won... where do you go?

The problem as I see it, is that you are wanting to bird dog properties for other buyers.

I'm running into the same problem as you, except I don't have the debt.

I can get an FHA under my girlfriends name with no problem, as she is currently not listed on the current home or mortgage.

I called yesterday to see if the part was delivered and they never ordered it..... they ended up sending out a tech for free without even letting me know and then mentioned the tech said it's not the evaporator coil its that the line set needs to be replaced so now its one so called problem to an even larger problem. As

But it seems like my debt to income ratio is a little high, it’s around 52% and I can get it down to 44% so that’s not a problem. As

@Edson Jean @Mike Cartier pretty much nailed it.I would talk to him and if pre-approval turns into a problem, a secondary strategy would be to approach a good LOCAL bank, like a Rockland Trust, Eastern Bank, Webster Bank or a credit union to see about a portfolio loan.Portfolio loans are not sold on the secondary market and are not subject to the same rules and restrictions as those that are.Where are you looking for a MFR?

To find places cheap enough that you can rehab and then price low enough for the jobs pay around here lies the problem. A

Door knocking can be a problem, as many good properties to try to buy are non-owner occupied (tenants), so they are not the ones with who you need to speak.