So my other options were to use my good credit but of course all of the loans want to use my personal credit and impact my debt-to-income.

If I owner occupied in b area or below I would consider this as an option.  

In fact, if your tenant does poorly, it may put you in a situation where selling is the best option and you will be stuck using the agent that caused the problem in the first place! 

I've looked into a few options that won't cost 20%.

One option to consider is enrolling your property with ALE Solutions.

However, this is not applicable to standard M1-2 zones.Zoning Map Amendments: If the property is not in an MX district, pursuing a zoning map amendment to rezone the area to a district that permits residential use is an option.

There is not even a cohost option that I know of.Are you going to get a PM license?

I am a loan officer and am happy to discuss more creating financing options over the phone if it would help.

I just came across this correspondence and am reaching out to you to find out what my options are.

I recommend a broker that works with over 220+ lenders so they have more options than just your one bank.