How to get "seasoning period" income to count (on a BRRRR)

[Brandon Kelly]

BP folks, thank you (in advance) for your wisdom. I'm trying to understand how a BRRRR needs to be 'structured' in order to have the income (during the seasoning period) count in my favor (and not against DTI). You see, my business partner & I have a development company (lets just call it "Company A") that focuses on single-family custom homes. Well, "Company A" also serves as the initial purchase & remodel funding for my wife & I's BRRRR transactions. We're at the beginning of this investment strategy, which is why I'm asking these questions. We have a home going on the market for rent in about a month or two. I (obviously) need to line up my lender (for the refi), but we plan to wait the 6-12 month "seasoning period", and then refi the home into our names (paying "Company A" back). QUESTION : Do WE (my wife & I) have to collect the rent during that "seasoning period" for it to count as OUR income (and qualify for the 75% DTI issue)? OR, since I'm a 50% member of "Company A" (but my wife isn't), if "Company A" collects the rent, will that still count as income for my wife & I? I don't want to go through the seasoning period, only to find out that income wasn't calculated the right way, and we have to wait longer. Thanks!!!