Looking for lenders who will count our new rental income now

[Greg Cook]

We are are trying to buy our 3rd property, 1st STR, with a second home loan. At the moment we are maxed out with our DTI. We were hoping to see if anyone knows a lender that will count our newer rental income, (less than 6 months), towards our DTI. We understand most conventional lending has to follow Fannie and Freddie underwriting guidelines. Just wanted to exhaust all options before jumping to hard money,DSCR, etc. loans.

[Chris Mason]

For that specific scenario, assuming you don't do anything fraudulent (fake lease, etc [which wouldn't actually work, but this isn't a "how to: mortgage fraud!" handbook :P ]), Agency guidelines will not allow that specific rental income (STR 6 months) to be counted.