HELP: Net Gain/Net Loss after 1 year!?

[Lawrence Paul]

Hello,

Does anyone know where I can find the net gain/net loss freddy and fannie verbiage?

Currently dealing with a bank for a new mortgage (trying to roll over $11,000 losses from repairs, ect)

The property cash flows at $400/mo, but I rolled over all my losses, taxes says 0 gain, 0 loss, but I rolled over all the extra 'losses' until next year.

Mortgage is trying to tell me that I am losing $800/mo on the property and being a pain in the *** for approving my new loan.

I know the freddy and fannie verbiage says something like after one year only the net gain and net loss can be calculated. But what about rolled over losses?

Thanks.