Does a roommate count towards my 2 year rental income requirement?

[Cody Steck]

I have two roommates who are now living with me. I am curious if the income generated from this would require the 2 year rental income requirement that most banks require in order to count rental income in DTI ratios. As far as I understand, the income has to be reported on your tax return for at least two years.

Does this make any difference if I were to record and track the payments through a separate bank account just as I would with a regular rental?