I purchased a few Properties luckily/Unluckily they were already Occupied.

I'm not sure how long subject went from 100% occupied to zero but it sounds like over a long period such as six months?

This complex has great buildings that are very well taken care of and is 100 percent occupied; it is also located in a great location near lakes and a highway for advertising.  

It would only work for a single family, not 2-4 unit with a non-owner occupied co-borrower.

I then asked the lender if I can just go 20% down non-owner occupied so I can use 75% of the projected rental income toward qualification and he said that even then my DTI would be too high and I still wouldn't qualify.

Im in a spot where im trying to figure out what my next step is.I recently bought a 4plex that I am owner occupying and remodeling as I move through the units (currently moving into the 3rd unit that will be remodeled)Everyday on my way home i pass two houses that are very rundown, one even boarded up.

Not owner occupied.

The only catch with FHA 203K is that you must fulfill FHA's residency condition...meaning you'll need to occupy one of the units yourself as your primary residence for at least 12 months. 

@Rik Hunter the product you are looking for is a non owner occupied conventional loan.

If you can house hack using an FHA loan for units or conventional for owner occupied money, you should consider that as well.