Does ADU Rental Income Count Toward Your Mortgage in Atlanta?

Rental income from an existing accessory dwelling unit may help some Atlanta buyers qualify for a mortgage, but it does not count automatically. This post breaks down Fannie Mae's current requirements, how the lender actually calculates the rent, where FHA and Freddie Mac differ, and what permits, zoning, and appraisal findings have to do with it. Whether the rent helps in your case is a lender decision, and the questions worth asking start early.