Can rental income from a two-family help me qualify?

Rental income from a two-family property can sometimes count toward loan qualification, but how much of it a lender will use depends on the specific loan program and typically requires an appraiser's rent estimate rather than a number the buyer simply supplies. Some loan programs also require the second unit to already be legally permitted before counting its income at all. A mortgage lender can confirm exactly what applies to a specific loan and property before you assume a number.