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Updated over 1 year ago on . Most recent reply

PJ Collazo's profile image
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PJ Collazo
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General Landlording & Rental Properties

Can I qualify for a new mortgage using prospective rental income?

PJ Collazo
Posted

How lenient are lenders in the current economy with deducting prospective rent when seeking a mortgage on an investment property?

I'm wanting to downsize, rent out my current home (45% equity atm), and purchase a new primary residence.

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Eliott Elias
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  • Member since Jan 5, 2021
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Eliott Elias
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Eliott Elias
  • Investor
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Lenders should be taking the mortgage off your DTI if you are collecting rental income. I believe it is 75% year one and 100% after that.

 

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