Financing Investment Property - Unique Situation

[Josh B.]

Hello,

I've spoken to two well reviewed mortgage brokers that I found on Zillow, but unfortunately I haven't been able to get pre-approval for an investment property.

Here's my situation:

I have been a tax paying pro gambler since 2010.  In 2015, I purchased the house that I live in presently.  I currently have about 100k equity there.

2016 capital gains income: 0

2016 business / gambling income: 25k

2017 capital gains income: 152k

2017 business / gambling income: 28k

Checking account balance: 100k+

Credit score: 730

Investment property price range 165k - 200k.

I can get letter from CPA stating I've been in the same business since 2010.

I'm being told they will take either last three years of capital gains or last two years of gambling.  Ouch.

What would you do in this situation?  I don't like to idea of pulling out equity in my current home, nor do I like the idea of seeking seller financing on my first investment property, nor do I like the idea of hard money loans.

Thank you.