Advance on financing a first house hack

[Timothy Chi]

Hi all! I need some help brainstorming some ways to finance my first house hack. I am hoping to put a 3.5% down for a small MFH or SFH. I don't currently own real estate.

The dilemma I have is that I work as a traveling physical therapist.  I receive a W2 for my work, however about 66% of my income consists of per diems. They are non taxed and don't show up on my tax returns (they are seen on my pay stubs though).  So to the eyes of a lender, I make $15/hr. That's my taxable income.  Thus I am getting pre-approved for very low amounts.  I have a car loan that will be paid off by the end of this year and student loans as well.  

I decided to transition to travel PT because of the overall higher pay and lower taxes.  My overall income is significantly higher than when I worked as a permanent therapist. However, it seems like this plan is backfiring on me as financing is appearing to be difficult.

Family co-signing isn't an option at this point. Can anyone help me brainstorm some other creative ways for financing?