fannie mae asking for 12 months of previous rent history

[Nolan Mahoney]

So i used to live in my own apartment for a year but had to move back in with family for this past year and i have saved enough for a fannie mae 5% down residential multifamliy building. Now im reading that i need "a current housing expense (paying rent)" in order to use the rental income to help qualify. (Source - https://thisismortgage.com/fannie-mae-5-percent-down-multifa... ) Is this true for all lenders? are there any work arounds for this? does this go for FHA aswell?

TIA!