Rental Income on Primary 4-plex

[Account Closed]

Question for lenders (or anyone).  On an owner occupied 4-plex do all lenders calculate the debt/income the same way?  Would the entire PITIA go against the borrower as housing debt, Then use positive cash flow plus add backs (depreciation, interest, taxes, etc.) as income.  I wish there was a lender who would subtract the cash-flow from the housing debt instead.