FHA House Hack Question

[Bill Regan]

Looking at a house hack as my we re-enter the world of REI. Just looked at place today that will probably work; good neighborhood, feels solid, some recent updates (roof, electrical, h/w), but still room to add value cosmetically.

My question is about using an FHA loan and getting the future rental income to count towards the PITI. The house very clearly has a separate apartment with its own kitchen, a/c, utilities and meter. However it is not zoned multi-family, so I guess it is considered an in-law unit. Can this be counted?