Experience with seasoning on rental income (Fannie Mae Guidelines)

[Paul S.]

Has anyone had any experience with getting around the seasoning requirements for rental income? With the properties we own, all of which are financed, we have reached our max debt to income ratio. From what we understand, the banks will not allow us to count the rental income until we have owned the properties for 2 years each (shown by tax returns). All of our houses are cash flowing and we want to work with a bank who will qualify us based on our experience, not these arbitrary rules. At this point, we are limited not by the number of houses, but by the amount of debt we can carry. Any thoughts would be appreciated. We are in the Charlotte NC market so if anyone has any local knowledge and/or experience, it would be much appreciated.