House hack loan

[Daniel Toshev]

 Hello, everyone. First time posting. 

  So, after few years investing out of state I decided it's time for a house hack. The house that I live in is very easily devideble. So I turned it into a up-down duplex. I'm renting the top and got a roommate on the bottom. 

  So that's 2 rental agreements and 2 rental payments coming each month. 

  However, when I tried to get pre-approval for a new loan I was told I can only use 75% of the average rent for the area. Even though I have the leases and can show a few months of payment I have to wait to do my taxes and show the rental income there until I can actually use that income. And that's a mortgage broker I've used a few times and trust. 

So, is there any way around that, or do I just wait until next year? 

  Thanks 

[Chris Seveney]

@Daniel Toshev

Not really as I believe a DSCR loan does not allow you to owner occupy it. Some lenders may be more aggressive and count the 75% from the leases now. Only way to find out is to start calling and reaching out