House in Orem, UT with a legal accessory apartment

[Andrew L.]

Hello all, I have a question I would appreciate your insight and advice on. We have found a house in Orem that has a legal accessory apartment (2 bed 1 bath) attached to it. Our plan is to live in the attached apartment and rent out the main house which is 4 beds 2 baths. This way we'd be living just about rent free allowing us to save more of our income to use for future deals. We just heard back from our lender that because it's not classified as a duplex that they can't count future rents and so they won't lend on it. I'm wondering if anyone has worked with any lenders who could work with this? We're just starting out and based on the numbers it looks like a good deal for us. But I'm worried we won't find a lender who would lend on this property. Thanks for your help.