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Unfortunately the mortgage market has become very restrictive. In order to use rental income of a current primary residence you must have at least 30% in equity.Absent of that the only way to qualify for a new mortgage is to either show that you can qualify for your new mortgage as well as your current one or to get someone to co-sign with you so you can qualify for both mortgages at the same time.I'm sure this isn't a pretty answer but it is where we are in today's mortgage world,
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