Flexible Lenders in Austin, TX.

[Thomas Byham]

Hello BP Community, 

I am looking to start my Real Estate Investing career in Austin this year by purchasing a multifamily property. Using the BRRRR method and an FHA loan, I am hoping to get into a duplex this summer with a low down payment. Once I am able to find a property that I can owner-occupy, I plan to renovate/refinish the unit I would be living in while renting out the other unit, and then repeating that once the tenant's lease has ended. I'm not sure where the term "House Hack" originated, but I suppose that is what you would call it. :)

A little background for context: 

I have been fascinated with the idea of investing in Real Estate for years; researching strategies, reading about success stories, but never made my first move because I didn't feel that I was in a "good-enough" financial situation to do so. I took advice from @Scott Trench 's book "Set For Life," and made adjustments to my lifestyle. I also started a career in sales with performance-based income that I will be able to scale for several years to come. I have been in my sales position for 6 months now, collecting commissions for about 4 months at this point. 

I am about to begin looking into various financing options available to me to make this first purchase a reality. The issue that I am facing is that lenders are not willing to consider commissions until I have a 2-year history in this role. They will only consider my base salary, which does not qualify me for much in Austin, TX. I have excellent credit and very little debt. I will need my commissions that I am making to be considered as part of my monthly income in order to qualify for enough loan to get into a duplex. 

Is there anyone who can advise on potential options or avenues for me to take? Perhaps one of you on BP has run into this issue before.
 

Thanks, 

-Thomas Byham