New to investing, can I count 75% of rental income w/o a primary?

[Jennah Sontag]

I recently learned from a lender that because I don't have a primary (not plausible in the near future), I can't count 75% of rental income from rental properties as income toward my next loan...this is a new rule that came about in 2020. I was told if I file a Schedule E with your subsequent tax returns, after two years of tax returns they would be able to count my Schedule E rental income toward your total income for qualification purposes. Can anyone confirm this? Does this mean I can't count rental income on a particular door until after I've filed for 2 years?