I've been renting out a bedroom in my primary residence since the start of 2023. I'm looking to get a loan for my first non-owner occupied rental property but my current lender is telling me my debt to income ratio is too high due to my student loans and mortgage. He is telling me the border income I am getting from the house hack does not count as income to help outweigh my debts. Is this true? Is it maybe because this income hasn't been captured in a full year's taxes yet?