VA home loan and future rental income question.

[Dane Porter]

Hello, I am currently in the process of purchasing my second multi unit income property. I have established 2 years of landlord history with my current property and been at my job as construction worker for one year. I am a veteran and my job in the military alligns with my construction job to establish a career path. I am attempting to use a VA home loan to purchase my next property (first one is FHA). I am currently pre approved through Veterans United for 250k and they are NOT factoring in a percentage of future rental income towards the approval amount. In my area, southern Maine, there are very limited options for 250k. It is my understanding that once you've established 2 years of history as a landlord, that a lender would factor in the future rents of a income property in determining the mortgage amount. Because Veterans United is not willing to do this, I am considering other lenders. My question is, does anyone have any information about Veterans United and why they might not be doing this? Am I correct in my understanding about future rental incomes? Lastly, are there any lenders out there or people who may have experienced a similar situation that may be willing to share their experience and offer advice? Thanks for reading.