Straight talk on mortgages from a loan officer who's done it for 10+ years.
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If you're planning to buy your next home while keeping your current one as a rental, Fannie Mae just rewrote a rule that directly decides how much house you can qualify for. On September 2, 2026, Fannie Mae issued Selling Guide Announcement SEL-2026-08, and buried inside it is a real overhaul of how "departing residence" rental income gets calculated, not a minor technical tweak.
Most mortgages qualify you based on your own income. Pay stubs, tax returns, a debt-to-income ratio calculated against your personal finances. That works fine for a primary residence. It works a lot less well when you're buying a rental property and your personal income has nothing to do with whether the deal actually makes sense.
Talk to Nate directly — no forms, no call centers, no runaround.