Yes, most lenders do consider potential rent from an asset for which you’re seeking lending approval.  They typically conduct a valuation of a property to determine its probable rent, although some lenders might get a real estate appraisal instead.  Once they’ve determined the asset’s potential rental yields, they’ll factor 80% of that number into their calculations.   That’s the case for the vast majority – around 90% – of institutional lenders.  Second-tier lenders, which aren’t as heavily restricted by regulators, are more lenient and may include up to 100% of your potential rental yields.  Keep in mind that you can also borrow more money generally through second-tier lenders due to the way their servicing calculations work.