Does lease agreement supersede rental appraisal?

[Daniel D.]

Hello, I’m planning to rent my primary residence and purchase a new home. My lender doesn’t seem sure about my question if my signed lease agreement supersedes the rental appraisal. I’d like to ask some of the pros in here for advice.

My total monthly cost on the house is $1600. The lease agreement is signed at $2500/mo. If my rental appraisal comes in at $2,200/mo, which will they go off?

This is a new build that requires 20k down as good faith money and it will be lost if I'm unable to qualify once the home is finished. I want to be really safe and far under my DTI so that $300 a month would help me sleep better at night