First investment loan advice?

[Gerald Bruno]

Hey all, 

So I have a single family and a duplex, all bought under an owner occupied loan. I found a property in California. It's a duplex with a rent roll of $1,480 a month (one at $830 the other at $650 both 2br/1ba). They are asking 143k.

My income is high, but a third of it is untaxed per diem. It's written in to my contract, and while it can fluctuate, it will never drop below a third. Received for years and will continue to. With per diem my DTI is around 36%, without it 45%. My other problem reserves. I have the 25% down, but not the 6 months reserve for every property. What kind of funding options should I be looking in to? IS there something that wont require the reserves? Or perhaps something that will allow the rent roll to dictate some equity in the loan and not require the full 25% cash from me? Any help is greatly appreciated.

Thanks