Originally posted by @Jeff Goff :
Sorry if this has been posted somewhere. I couldn't find it. It is my understanding that Fanny and Freddie require 2 years of landlording experience to count future rents towards qualifying for a residential mortgage. Please correct me if I am wrong. .
That's actually an overlay. :)
You can even be a first-time homebuyer and count the rental income if it's just a vanilla Fannie loan.
Not all lenders are investor friendly. Dial for dollars until you find one that is. Good luck!