Rilian Ball

First Capital Group

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Can You Use Rental Income to Qualify for a Mortgage?

August 22, 2025 by Rilian Ball

When it comes to qualifying for a mortgage, your income plays a key role in determining how much you can borrow. For many buyers, especially those interested in investment properties or who plan to rent out part of their home, the question is whether rental income can be counted toward their mortgage qualification. The good news is that in many cases, rental income can help, but there are specific rules and documentation requirements you will need to meet. Understanding How Lenders View Rental … [Read more...]

Filed Under: Mortgage Tips Tagged With: Mortgage Tips, Qualifying For a Mortgage, Rental Income

The Impact of Rental Income on Mortgage Qualification

May 8, 2025 by Rilian Ball

For real estate investors and homeowners looking to purchase additional properties, rental income can play a crucial role in mortgage qualification. Lenders often consider this income when assessing a borrower’s ability to repay a loan, but the way it is calculated and applied varies based on different loan programs and underwriting guidelines. Understanding how rental income factors into mortgage approval can help buyers maximize their borrowing potential and secure favorable financing … [Read more...]

Filed Under: Mortgage Tagged With: Mortgage Applications, Mortgage Qualification, Rental Income

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Rilian Ball


Branch Manager

NMLS # 202687

Call: (559) 697-5322
info@firstcg.com

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Rilian Ball
NMLS # 202687

Company NMLS: 35960
www.nmlsconsumeraccess.org

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