Are there lenders who will count potential ADU income?

[Stephen Spain]

Hey Guys,

I found a single family house with an ADU in the basement today that looks great. The current owner has family in the ADU and doesn't collect income.

My intention would be to owner occupy the main house and lease the ADU in the basement. In talking with my lender today, they stated they can only count potential income if the property is classified as a multi family. Because it's a SFR with an ADU, it can't count. I need the ADU income to count for my DTI to work.

Is this standard across all conventional lenders or is anyone aware of lenders who would consider this? My lender is not a broker, so I'm considering reaching out to a few in the area to see if any other lenders are more flexible on this.

Thanks in advance.