Qualifying for a Vacation Home Mortgage
I was thinking... for the 10% down vacation home mortgage that @Avery Carl and @Tony Robinson, among others, have discussed, can you use projected rental income in the DTI guidelines and calculations? It works that way for LTRs but since you're trying to get a "second home" mortgage that you may choose to convert afterwards to a STR, are the banks not going to consider potential vacation home rental income at all?