As we went back and forth, we saw that the terms the bank or loan gave us were not set in stone.

Have you checked out using an FHA loan for a multifamily househack?

Also, I can't tell anything by just this post but there are investment property loans that don't require 25% down. 

ATR rules do NOT apply to investment properties so products like DSCR loans and often hard money loans do not look at the borrowers income.

Happy to chat further if you have questions.https://www.biggerpockets.com/blog/brrrr-loans-what-are-the-... 

I also hear that HML does not loan this type of contract.

Purchase price: $310,000 Cash invested: $350,000 This was a full rehab 6 unit multifamily building.Our firm did everything from locating and acquiring the project, to managing construction, and then finished up by leasing out all 6 units for a premium rent.We used a construction loan to secure the property and do the rehab. 12 month term which we were able to do construction and lease out all units before taking out the original loan with a permanent commercial loan.

 I am applying for a DSCR loan and am now a renter myself.

Mid-Term rents do cause a little complication...but that's what DSCR loans are for.   

are you pre-approved for a loan?