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How is net rental income verified by lenders on a residential loan application? - residential lease application form

When I make a net rental income of $ 100 per month $ 100 per month to be included in my gross income, living in a loan application, but you pay the monthly mortgage on the rental does not include in my monthly debt obligations (with calcuating) on the debt of the income, if I have a cash flow monthlt Postive rented flat, is not it? How lenders check your rental income? What happens if I am not the rental property until after the withdrawal, but I have a request to my tenants signed lease agreement - the evidence is acceptable?