How do lenders see income from rentals?

[Mary lou L.]

Is it worth to take deductions if it does not change your tax liability? Let's say my only income is 8000 for a home for the year. I get my standard deduction and end up not owing any taxes. Is it over kill if I keep taking deductions such as maintenance insurance if the after everything I just show 1000 income? I am asking because on the forums I read of a woman who couldn't get a loan because the income after all deductions was too low. Is this how lenders see income? So bottom line is it the before deductions or after deductions lenders look at? Thanks!