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If the borrower is able to document (per the table below) that the rental property was not in service the previous tax year, or was in service for only a portion of the previous tax year, the lender may determine qualifying rental income by using Schedule E income and expenses, and annualizing the income (or loss) calculation; or
For your positive rent payment history to be included on your credit reports, your landlord must report your rental history data to them, and while property managers and companies that process rent payments are more frequently reporting that data to the credit bureaus these days, itâs still not a standard practice.