DTI ratio and future rent in Multi-family house hack

[Javier Garza]

Hey Everyone!

In "The House Hacking Strategy" book, there is a discussion (pg 92) on debt-to-income ratio in regards to lending, and how 75% of potential future rent may be added to your monthly income number in determining the DTI. However, the section ends with the qualification that the lender "will need to see a signed lease and deposit into your bank account to confirm that the rental income is in fact truthful." Unless I am misunderstanding something, this seems to be contradictory. As a buyer, how can I have proof of rental income if I do not yet own the property?

Thank you in advance for your assistance! I am doing a lot of reading and research to see what my options are for beginning RE investing.