Lease Agreements or Form 1007 or Form 1025: When current lease agreements or market rents reported on Form 1007 or Form 1025 are used, the lender must calculate the rental income by multiplying the gross monthly rent(s) by 75%. (This is referred to as “Monthly Market Rent” on the Form 1007.) The remaining 25% of the gross rent will be absorbed by vacancy losses and ongoing maintenance expenses.
See Treatment of the Income (or Loss) below for further instructions.
fourplex四户都在按时缴租金，但是underwriter说我个人房东历史曾经去年中断过一年（卖了出租房以后没有马上买入），所以新出租房需要拥有两年以上才能算租金收入。
现在和贷款经纪商量把fourplex放入一个llc，把它当成买一个business，所以第一天就应该计入收入。不知道这样能否说服underwriter。
都已经交钱做了appraisal了，其他方面都没问题，没想到卡在这里，请问有什么方法和建议吗？多谢多谢！
跟你差不多的情况，可以换一个lender试试，每家的guideline稍微不太一样。
https://selling-guide.fanniemae.com/Selling-Guide/Origination-thru-Closing/Subpart-B3-Underwriting-Borrowers/Chapter-B3-3-Income-Assessment/Section-B3-3-1-Employment-and-Other-Sources-of-Income/1032995141/B3-3-1-08-Rental-Income-06-03-2020.htm
Lease Agreements or Form 1007 or Form 1025: When current lease agreements or market rents reported on Form 1007 or Form 1025 are used, the lender must calculate the rental income by multiplying the gross monthly rent(s) by 75%. (This is referred to as “Monthly Market Rent” on the Form 1007.) The remaining 25% of the gross rent will be absorbed by vacancy losses and ongoing maintenance expenses.
See Treatment of the Income (or Loss) below for further instructions.