Some lenders will work with you if you have 2 years of self-employed tax returns - though I don't know whether that will work with FHA.Best bet is to call a mortgage broker to see whether they have a way to help. 

I verified income and employment. 

There is usually only a few large employers or a school or something that is driving everything... 

One option, if your daughter is an adult and employed full-time, is for her to co-borrow on the loan, and live in one of the units for just a year to qualify for 5% down on a 4-unit.  

I put together a detailed proposal which covered the why I wanted to do this, my 1, 2, 5, and 10 year plan, the "Rehab Cycle", the due diligence process that I would follow, and most importantly to the investor how their investment is backed by a real asset, that they would be 1st deed of trust, and the 3 exit strategies that I would employ to ensure the repayment of their investment. 

I am currently employed in the financial services sector (no certifications).

Just make sure you understand the employment driver and it’s not just a one or two pony show in town.

I was considering the use of borrowing from my 401k with my existing employer as part of the non-retirement since I can't move that money but was hoping it could be combined with the self-directed. 

I do have to say that the bigger towns where there is employment are probably around 45 minutes to an hour drive away.

With your employment and income, would you qualify for a new home loan?