HELP! House hacking financing options

[Charles Mitchell]

Hi BP!

So, I've run into a bit of a sticky situation. I'm looking to purchase a 4 family in my target area to house hack. I've found the perfect home where all of the number make sense and I was ready to make an offer. So I called my mortgage broker and I'm having difficulties with an FHA because I'm self employed and have only been employed for 1 year and only have 1 year of tax returns(I was a student prior). I have enough cash to put 20% down (I would rather not) but the same issue arises with a conventional.

What are my options? I've tried looking for a co signer, but its not the easiest to find as its a house hack and not a traditional investment. 

Thanks for any and all help. 

Please PM me if you have any questions regarding the numbers.