Will any lenders consider future rental income and bonus pay?

[John Stanaway]

I'm looking to purchase a new home and turn my current home into a rental. My current mortgage is over two years old for those wondering. To offset my current DTI I need to find a lender who will consider future rental income on my current primary residence. It will also be very helpful to consider bonus income from my employer. I show no bonus income for 2018 and will show a very large bonus for 2019.

I currently show about 40% rental income of what I could ask after I move.  The property has a garage apartment that is currently rented and shown on tax return for 2018 and soon 2019.


I have spoken with a few lenders and have heard I need a lease signed on my current residence to consider future income and have heard I can’t use 2019 bonus income because I had no bonus 2018.


I’m hoping someone here may know of a flexible lender they can recommend.  Any other suggestions are welcomed and appreciated as well.

I think worst case scenario I can move into a rental to get my current place rented out.