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Do I have to move out before rents can be recognized as income to offset my DTI ratio?

You have been rent by the room house hacking for 12 months and exciting to get the ball rolling for your next house hack.

Now the question comes up, “How will this house hack effect my debt to income (DTI) ratio when qualifying for my next house hack”?

Answer: Since the house you are living in will be a future rental, your lender will view it as such. You will need to provide your lender with signed lease agreements for each room, including the room you are leaving, in order to offset your mortgage debt (PITI).

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