Offer(s) To Lease on Owner Occupied FHA loan?

[Leroy Crosby]

Greetings, Biggerpockets! Here's my first post.

I'm looking to purchase a 4 unit multifamily with an FHA loan where I'll occupy one of the units.

1) Can I include the projected rental income from the other three units (or some percentage thereof, as most banks do) for this property? & If so,

2) Would I acquire Offer To Lease agreements from potential tenants to include in my loan application?

I ask mainly because Offer To Lease agreements are, in my limited understanding, primarily for commercial units and yet I don't see an underwriter approving a loan without some sort of physical proof of a ratio of debt to income.

Thanks!