First deal is about to go wrong

[Willy A German]

Hi, I have my first deal under contract and is about to go sideways if I don't find a local cosigner. I have tried with different people and for one reason or another they aren't eligible. The house is a 2 family and is located in the Bronx, NY. I am trying to house hack this deal! 

Need help here I don't know what to do if I don't find someone to cosign with. The loan type is a FHA 95%LTV

btw I am working with a mortage broker not directly with a bank. 

[Dan Weber]

I would fire your lender for giving you a pre-qual letter to make offers without fully vetting you as a qualified buyer. The lender should've been able to tell you up front if you needed that cosigner. Although I typically prefer to work with mortgage brokers as opposed to banks, I would suggest reaching out to some local banks, possibly credit unions, and see if any of them have different loan stipulations that would allow you to purchase the owner-occupied duplex without a cosigner.