Will lender use potential rental income?

[Ihor Onyshchenko]

Hi everyone! 

I am planning to buy a multi family property in Reno, NV and i am curious to know if lender will count rent income from the property. 

I am planning to occupy one of the units and i am hoping that income from 3 other units can be counted towards by income. 

I read that usually lenders consider 75-80% of that income. The weird part is that it usually states that i have to provide the proof of that income, but how can I prove if I did bought it yet? 

Have you done something like that? 
Also, what do you think about Reno?