@Allen McGlashing A lot of lenders won't even use rental income until it shows up on a tax return which can be tough. Not all of them have the same requirements so if I were you I'd keep shopping around and see if there's a lender in your area who is a little more flexible.
Generally, you need two years rental income for lenders to count it. Beyond that, you should be able to find a lender who will work with you, make some calls, visit local and regional banks and credit unions.
Ok thank you what I’ll do is try to shop Lenders and try to explain my situation before hand so each lender won’t have to run my credit. Someone is bond to count the rental income to the DTI ratio.
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