Lender qualification criteria

[Jose Valdez]

Hello. I have a question that I hope makes sense. If I'm purchasing a fourplex as an investment property and I'm getting 3 units vacant, I'm under the understanding that the one occupied unit alone will not cover or come close to covering the PITI of the property.

Correct me if I'm wrong please but lenders use 75% of rental income plus my w-2 income income to qualify me for the investment property. But if i still fall short to cover the PITI is there a way to structure something in the contract with the seller showing potential tenants ready to fill those 3 vacant units?

Hope im making sense. I basically want to show lender that there are tenants lined up to rent those 3 units even though Im in escrow but have not closed yet. Thank you!