Using property income towards income for loan approval

[Jonathan Buelow]

How can the broker add my prospective property income to my DTI?

I have enough for a downpayment, good credit, and no debt but my income is too low. I understood I could use 75% of the other units' rent to make up for that but, I am being told I need to have 2 years of landlord. Will any lenders look past the landlord and look at the actual number?

[Ryan Thomson]

@Jonathan Buelow that can be tough to get around. Some lenders may if you have been declaring it as income on your schedule E in your taxes. 

Not sure if this is helpful at this point, but I had a lender in Colorado Springs tell me that if you rented a home and collected rent from other tenants and paid the landlord the total you could count that as landlord experience. I thought that was interesting.