I would like to find a duplex or triplex with a FHA mortgage, but then I discovered that at my current gross income I won't be able to meet the debt-to-income ratios used to qualify for an FHA loan. The mortgage payments on a duplex/triplex are too high for my income level.

But, will a lender consider the rent that I can potentially earn from a duplex or triplex, and then use it as part of their debt-to-income calculations? If so, I can have a better ratio.