Landlord Experience? Of course I have landlord experience.

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I've lived with people under my roof and even had to kick them out, but the bank says without a lease agreement I can't use this as landlord experience on my mortgage application. 

What are some creative ways to get landlord experience so I can count rents on my mortgage?

And, how long do you have to be a landlord before you can put it on the application?

Let me know what you think!


Call a different bank/lender. In many cases this requirement is just from that bank and not from Fannie or Freddie. Call some mortgage brokers in your area and tell them you're looking for a lender who will qualify rents before 2 years.