Need Three Tradelines to Validate a Credit Score?

[Brandon Hall]

Hello everyone,

I am going through the mortgage approval process and though everything else checks out (good income, credit score, reserves) she is claiming that I cannot qualify for an investment loan because I only have one tradeline (a credit card). She says that I need three tradelines with 12 months of reporting history to validate my credit score. If I were going for a primary occupancy loan, then we could use rental/utilities history, however we are going for an investment loan (obviously) so I'm out of luck.

Has anyone else had experience with this? Is this a typical lending requirement?