What banks are lending right now?

[Alex M.]

I just spoke with Wells Fargo. I am looking for an owner occupied conventional loan on a duplex in Florida. They cannot use ANY rental income to help borrowers qualify - they are not using existing rental income (leases in place) or potential rent. So with Wells Fargo, I will not qualify. 

Has anyone gotten a loan recently that allowed you to use rental income to help with your qualification? Again, looking for a pretty basic conventional owner occupied loan. 

Thanks!