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system
can future rental income be applied to present debt-to-income ratio when applying for second mortgage?
user
generally speaking, no they won't. in this case, though i haven't done it myself, i was recommended to put the mortgage on the real estate after it's been leased out and has a contract on it.  then, yes, they will use it for that.  but, ex-ante don't expect any bank to count on income from it because, at that point, there's zero guarantee you'll get it leased, and even if you do, at what rate.
assistant