Loan amount based on rental income for SFH?

[Ted Kawabata]

BP Universe, Is there ever a way for a lender to use the rental income to determine a loan amount rather than an appraised value?

I renovated a single family home in Dallas, Texas and it looks great and should cash flow great. But the cash flow is only good because of a separate 1/1 apartment from a converted carport (ADU). Not many comps to work with. Only one, to be exact. So my appraiser came up with a value that isn't helping me. $162,000 to be exact.

But rents should be about $2,100/mo. Just listed it and hoping to place a tenant rather quickly.

Help! Please point me to a lender that you think might be able to work with my situation and loan me $150,000 or more.

Mahalo! (Thank you!)