getting a multi-family home loan?

I am looking to purchase a two family home in Brooklyn, NY, where the houses range from 450 – 500K. I make 68K a year, have excellent credit, low to no debt and can put down btwn 40- 50K. I also have another 50K in retirement assets that I can use for collateral. All the mortgage sites I have tried say that I can’t qualify for a loan that high. I don’t think they take into account the extra unit that I will be able to rent out. Does anyone have any advice on what I would need to do to get a loan in that range?

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