Can I use rental income to qualify?

Yes. Existing rental income shown on your tax return counts, and for a property you're buying, lenders typically count 75% of projected market rent toward your income. The 25% haircut covers vacancy and upkeep.

For investors who'd rather skip personal income entirely, a DSCR loan qualifies on the property's rent alone. We'll choose between counting rental income on a conventional loan or using DSCR based on your goals.

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