Rental income and debts are counted carefully on conventional loans. Learn vacancy factors, leases, and DTI treatment with The 2 Mortgage Guys.
Rental income and debts are counted carefully on conventional loans. Learn vacancy factors, leases, and DTI treatment with The 2 Mortgage Guys.
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Both ways — as potential income and as potential debt. Conventional underwriters review leases, tax returns, vacancy factors, and the mortgage payment on each rental. Done right, rental income can help you qualify; done poorly, empty or poorly documented rentals can hurt DTI.
Underwriters net rental results rather than counting gross rent as free cash flow.
These gaps reduce how much rent you can use.
Complete packages move faster.
We run property-level cash flow before you write an offer.
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Related guides to help you compare options and move toward pre-approval.
Run the numbers before you apply — then get a real pre-approval from Ryan or Steve.
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Share your leases and Schedule E with Ryan or Steve — we will show how your rentals count toward conventional qualifying.
Steve DeLon and Ryan Minick - Branch Managers and Senior Loan Officers at .
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Ryan Minick NMLS# 203249
Steve DeLon NMLS# 202876
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1221 Appletree Lane, Kokomo, IN 46902
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