Commercial qualification is based on your net worth and the building's income, not your income.

Some lenders can use your years in college as "work history" and can use a written job offer to substantiate qualification. 

Each will have their own set of guidelines and requirements but the general qualification metrics are the same - good FICO score and the property projecting to cashflow each month.

The government have implemented an extra 2% "stress test" qualification to prepare people for the anticipated future interest rate raises so they are not stretched beyond their means - while you are not currently charged that 2% extra mortgage interest, it significantly affects how much the banks are willing to loan for the mortgage and how much people will qualify for as they are testing your income against the current interest rate + 2%

Feel free to send me a message and I can elaborate on my qualifications and background. 

Hey Shirley,Just wanted to comment on the income qualification piece.

Technically you can do it on up to a 4-unit, but there are harder qualifications for 3 & 4 unit properties.

I would also make sure that the minimum qualifications of the lender is met by each property.

In my experience many banks will tell you what is and is not possible for them but this will vary based on the property your looking to finance and your qualifications.

My lender for the Bay Area said that when calculating qualification, they would have to assume I would occupy the largest / most expensive unit and that cannot be included in the calculation.